Hey Alibiiv,
I believe the inaccuracy was due to twist rate. And there becomes a point where the increase in bullet weight will not result in more penetration due to the loss of velocity, so there becomes a 'null' point. It seems 200 grains is that 'null' point in the 10mm. More weight shoots slower, less accurately (in SOME guns), and provides no additional penetration over the slightly faster moving 200 grain bullet. If the 220 grain shoots good in your gun, no need to abandon it! But a person isn't really gaining anything over the 200 grain bullet either.
Imagine shooting a 250 grain bullet in a .308 Win with a 1:10 twist - it won't stabilize, it will be very slow, and a person would have been better off with a 180 grain bullet in that caliber, at that twist rate. It's the same thing here (220 vs. 200 in 10mm.)
If you have 220 grainers now, simple matter to see how they shoot at 25 yards. And since you reload, you could get some of those coated, hard-cast lead 200 grain bullets and test them out, too, in your reloads. I would simply go with the one that shot best IN YOUR GUN:
https://gallantbullets.com/collections/40-10mm/products/40-200gr-truncated-cone
The beauty of the coating on these bullets is they can be treated as a 'non-lead' bullet in your Glock, so no need to get a new barrel. The barrel you have will be fine (will not lead-up like 'naked' cast bullets will do in the polygonal rifling.)
You are seeking the best penetration and accuracy so the load will be effective if/when needed. A hollowpoint isn't good on bears for the reason you pointed out right at the beginning - all that hide and fat promotes great expansion, but an expanded bullet at 0.65" frontal area will slow down and stop before getting deep enough to kill reliably. While a hollowpoint may work wonderfully on people, it isn't so good on bear.
And the FMJ suggestion is great for penetration, but that round nose profile just pencils through, doing very little damage, causing very little bleeding, and producing no 'shock' going through. That's where the FLAT NOSE (or semi-wadcutter) "wins". It cuts and damages tissues and vitals as it 'barges' through the body cavity.
You have the right load...if that 220 grain bullet stabilizes in your gun. If not, the 200 grain flat point or semi-wadcutter with coating on it would be the place I'd start for reloads. If you can get some bullets with gas-checks on them, then should be okay, too. But I've not tested that theory.