Wisconsin literally takes 6 days. I teach conceal classes on Thursday night at Gander Mountain and students call me the next Thursday and tell me that have their permit.
As for loads I carry a 230 grain +p bonded hollow point that I get from a friend that is a police officer. He tells me that if I were to shoot through a windshield it will deviate less than an inch so I'm good power wise.
I occasionally carry a .22 for a back up gun as well.