Merely my opinion:
I don't use handloads for defensive ammo. I always use factory ammo.
Not because I don't think they are reliable enough---if I am making defensive ammo, I can make it one by one and measure everything. Matter of fact, I could make my defense ammo much
more uniform than factory ammo, if I wished.
Not because I'm worried about what it will look like in court---while there have been some cases where this was an issue, they are a statistically tiny sample of the whole, though obviously sometimes it does occur.
Not because I think that factory ammo is just that much more effective---we can buy the exact same bullet in many cases, and load to exactly the same velocities.
And not because I really enjoy paying factory defensive ammo prices.
My reason isn't a
singular one of those. It is the
totality of those that makes a difference to me. Each one of those things is pretty solidly minor. However, they comprise a set of things that could each cause problems----and I can get around the entire set by simply buying factory ammo.
In any situation where I can fairly easily get rid of a whole set of problems by a single simple choice--I'm probably going to do it.
Yes, factory ammo can fail---but the chances of it is vanishingly small. In court, any opposing attorney will have a hard time arguing that the ammo I use (which matches the ammo of a number of law enforcement departments) is an issue. And that ammo has a proven track record of effectiveness, provided the person operating the firearm did their job.
Even better, I can build a practice round similar to it very easily, so that I can still practice cheaply (getting used to the same noise/recoil characteristics) in quantity. (This, by the way, is a good idea if you reload, because good defensive ammo in quantity is NOT cheap to practice with.)
So, for me: factory ammo. Good choice for lazy people who don't want to spend extra hours at the reloading table making rounds one at a time.