Under no conditions should you reserve a weapon. Always come out with the most effective weapon you have. You do not know how many attackers there are, so use the very best you have. You don't know if they'll stand and fight, take cover, use teamwork, etc, so use your most effective weapon from the start. Your most effective weapon is your AR.
As to the ammo.
You're really overthinking this.
If you have a 1/9 just get something in the 55gr to 69gr bonded or lead /spire point type. Any of them will work well. Just don't use varmint loads.
As far as your question about the meaning of loading. In this case, it means that that particular offering / product, and has nothing to do with hand loads.
The reason for hand loads, since you asked, is you can load better, more reliable, more consistent, and more accurate ammo, designed for your rifle, cheaper than you can buy factory, and the better the ammo, the bigger the cost difference.
Seriously though, just get a couple of types that the members are recommending in the weight range that the 1/9 works best at, and shoot them at a decent distance, furthest you can, and see which ones are most accurate and reliable in your rifle. When you get that done, then buy a case of them.
I really don't fuss too much over it myself. I have mags loaded with M193 55gr, IWI 77gr Razor Core, and M855 62gr green tip. Those are factory loads. I also have mags loaded with Hornady 55gr FMJ that works like the M193, but is more accurate, also Hornady 55gr Spire point ( lead tip ). I normally like the Hornady 55gr Spire point for my SD loads, though I will use the IWI 77gr Razor Core as well. I don't feel under gunned with any of them, and at home defense distances, I'm not.
I even have a mag loaded half 55gr FMJ Hornady, and Half Hornady 55r Spire point. I was loading the FMJs in the mag, and since the spire points were right beside them in a loading tray, I started accidentally loading them. I was watching tv, and when I realized it, I figure, well, whatever, I'll finish it this way, because it really doesn't matter.
At HD distances, picking one of them over the other is pretty much asking you if you'd rather be run over by a Ford, or a Chevy, or a Dodge pickup, at 150mph. They are all going to kill you and you wouldn't know what hit you unless you asked Saint Peter what the hell happened when you got to the pearly gates.
BTW, I sold my ARs a couple of years ago due to bills, not for a dislike of the platform, had a 6.8 ARP and a .223 Wylde ARP, and when I got the money back, I bought a Tavor due to wanting something different. It has a 1/7 twist.