Howdy,
Here's a slightly different twist on the subject. After 50 years of reloading; including a great deal of time with targets, a chronograph, a Fackler water box, (denim), and a great deal of reading, here's the final result. If I can make a BETTER LOAD than commercially available, I do so and carry it. The following have tested extremely well and are in service at this this time. Note: I have tested virtually all of the premium bullets currently available, including the revised HST...this has required downloading and reloading those bullets not available as components.
1. 380ACP: Quality factory 95g ball at 850fps (out of a relatively short barrel). Penetration is critical with this cartridge.
2. 9mm: 124g Ranger TP...superb.
3. 38 Special +P: Reloaded ammo produced by downloading and uploading factory ammo. Speer 135g Gold Dot, factory case, primer and bullet over 5.4g AA#2, max load per Sierra (ONLY). For comparison, the factory round chrono'd at 860fps out of my S&W 637 and 642,respectively, at 70 deg. F. This reload at 19,000 psi produces 930 fps with no muzzle flash and is an extremely smooth and accurate shooter. Besides, its factory ammo, right! Agencies do not normally test powder/ powder residue when unexpended ammo and the factory box is available following a justified shoot. In developing this load, I tested PP, Unique, AA #5, U. Clays, 231 and Bullseye with this bullet....the AA#2 performed the best out of the short barrel. This is a PRIMARY "light" CCW combo.
4. 357 MAG: Factory Gold Dot. Wife's weapon and load of choice on the horse farm.
5. .40 S&W: 165g Win. Ranger T (factory). Primary home defense choice as well as "medium" CCW...again, superb.
6. 44 MAG: The 200g 44 (Special) Gold Dot over various loads giving 1050 to 1100fps, for felons. I use the 240g Gold Dot, (revved up a bit), out of my Lew Horton 3" Smith for larger critters. I keep this load in the event that a vet is not available and I'm forced to put down one of our horses, or a neighbor's animal.
7. 45ACP: Nothing tests as well as the 230g Ranger T +P at 980fps out of a 5" barrel. This is an incredible load. You just can't do much better without a shotgun.
Bottom-line, again, I carry/use reloads when I can TRUMP factory performance, (read ballistics and TERMINAL PERFORMANCE), and do so safely.
Regards,