First, don't try to load to a PF of 125. You want at least 130, if not 133 or more. With 147gr bullets, I go up to a PF of 137.
Do you want something dummy proof? With jacketed bullets where cost matters, the best choice IMHO for 9mm Luger is actually a bullet labelled for 38 Super. It's the Precision Delta .356 diameter 38 Super 124gr RN. They're 8.9 cents per bullet if you order 2000 or more. Load it with a faster powder like Bullseye, N320, Prima-V, Win231/HP38, Titegroup, or AA2, and you'll have a nice soft load for cheap. It's really hard to mess that up.
If you want to try to make something work with 147gr bullets, the ACME 145 and 147 coated lead bullets are the way to go.