I do...
I took Massad Ayoob's MAG40 course, and got lots of great info regarding the legal aspects of using lethal force to protect oneself and one's family. Based on the info provided in that course (its detailed and I don't want to sidetrack this thread) I tend to prefer factory premium loads for self defense. In addition, I can load a decent load, but I don't have access to components like Federal HST bullets, or good low flash powders. Therefore, my defense guns are currently loaded with factory premium. The shotgun has a magazine full of Fed Flight Control 00 Buck, the 1911 is loaded with Speer 200 +P Gold Dots, the Ar15 gets Win Ranger 64 PowerPoints, and the little Solo 9mm gets Federal 124 HST.
I tend to keep a couple hundred rounds of these premium loads on hand. However, I really want more than a couple hundred rounds of each. At $1 each for some of these, cost quickly becomes prohibitive. Storing a 1000 rounds each of 9mm, 45, and 5.56 premium loads entails a $3,000.00 expenditure. Thats a big steep for me (and I figure that $3000 could have better uses elsewhere).
Therefore, I back up the factory stuff with good hand loads. I shop components and buy in bulk on sale. For example, I bought a ton of blemished bullets (just tarnish) that turned out to be Hornaday XTP's. I figure that my own hand loaded XTP's are a better performer than any factory cheapo FMJ load.... I achieve really big savings, which means I can store many more cartridges, when I start comparing things like factory 5.56 with various 62-64 soft points against my own hand loads with sierra 65 Gamekings.... Reloading also allows me to scavenge brass. Local Border Patrol uses HK P2000's, and they walk off the local gun range and leave couple thousand Federal .40 brass (and 556) lying in the dirt. I'm not a huge .40 fan, but when brass is free, loads are cheap. Cheap enough that I bought a .40 handgun just to service ton of .40 ammo I have cobbled together for low dollars.
I figure if its all gone to hell bad enough that I've burned through my supply of factory premium, all bets are off regarding a functioning legal system, and the shit has hit the fan hard enough, with enough splatter factor, that I want stopping power better than can be afforded by Blazer Brass FMJ's in 9mm or 45....