I probably wouldn't shoot them.
I shot my own reloads but usually not anyone else's unless I really know them well and that they're a competent reloader.
As you noted already, the cost of replacing a gun is way more than the cost of a box of ammo. And the cost of replacing your eyes, face, hands, and the lives of any bystanders... well you can't replace that stuff at any price.
And a kinetic bullet puller is pretty cheap and remarkably durable. My dad bought one a few years back and it's been put to good use to pull a lot of suspect ammo that we've been given over the years. Anything NOT known to be factory loaded ammo gets pulled and recycled if possible, sold if it's not useable to me but useable to someone else, or tossed in the scrap brass bucket. Suspect powder gets burned up safely.