I have heard these same concerns many times but to the best of my knowledge they have never been part of any court action unless the shooter was using handloads. I carry a variety of different loads for my 40S&W, but the one thing they really have in common is that they are all professionally manufactured self-defense loads. I DO handload, and I have never had a FTF on anything I have loaded, but I dont take chances with my carry ammo, the outcome is far to important.