We've been over this a million times here.
#1. There are zero cases where hand loaded HD ammo has been used in court to convict a shooter in a SD shoot. Either the shoot was legal or it wasn't. That story is a crock of shit put out by Massad Ayoob. In all the times that it's been brought up as a reason not to load your own, we have asked for cases to be presented for proof, and no one has come forth.
#2. Hand loaded ammo that you load, is more consistent, more accurate, and unless you are a sloppy, shitty, careless person, it is more reliable. You are your own QC department. I have never had even 1, not one. single round not fire that I have loaded. Not even 1. That is including over 15,000 .45acp rounds, 10,000 .308 rounds, 3,000 9mm rounds, 2,000 7.62x39 rounds, 5,000 5.56 rounds, and 2,000 6.8 rounds.
Please add that up. Not one single solitary failure to fire, feed, or eject. Zero.
Now let's compare that to the numerous times that I've had factory loads fail to fire, fail to feed, and fail to extract, even in high dollar SD loads. I've had many of those fail. And switching back to my own loads, brings me back to complete functionality. I trust my own a hell of a lot more.
#3, You can tune your load to your gun, and make it more accurate, and better feeding that factory, and it is cheaper. by far.
As to what I carry.
I carry a 1911, with 8 rounds of 230gr Hornady XTP, in Starline cases, with Fed Magnum primers, with 5.0 gr Bullseye, all buttoned up tight in a Chip McCormik magazine, and a couple of his buddies riding shotgun.
Don't buy into the bullshit and urban legends.