Well I went out and bought a Sierra manual as well.
According to Sierra-I'm pushing the top end of the load
According to Speer-I'm sitting towards the bottom
So off to the range this evening
-I took my reloads
-an additional 20 Winchester White Box rounds
-and 20 Winchester Ranger SXT rounds.
All were fired out of a CZ-75B.
Subjectively it felt like the WWB rounds were the lightest, my reloads noticeably hotter, and the Ranger rounds quite a bit hotter than the reloads. I also did a "mixed magazine" and I could tell the difference between the WWB and the reloads. I could DEFINITELY tell the difference with the Ranger SXT rounds!
Or visually, (W-white box, R-reloads, S-SXT)
low------W-------------R--------------------S--high
So my determination at this point is that for .40 S&W loads
Sierra's loading guide appears to lean strongly to the conservative side.
Speer loads appear to be much closer to factory self-defense ammo.
If I pushed it to the Speer listed maximum I believe I would be pretty close to the SXT ammo but I have no interest in pushing it right to the limit yet.
My load gave very good accuracy at 30ft, I'll try and scan the target in later and post it here.
Also as a side note, people often mention how dirty "Unique" powder is. Well it doesn't hold a candle to the WWB stuff!
Thanks to everyone for the guidance and reassurance.