To load above SAAMI max would compare to driving a car that has bald tires at 120 mph, sooner or later something bad is going to happen. So no, I don't load hot if this is the analogy your applying. But since I load exclusively with JHP's and slow burning powder for all my handguns, I push them as high velocity as the data and cartridge will safely support. In other words, if I'm not seeing any signs of excessive pressures, I'll continue increasing the powder charge. To some this would be referred to as hot loading, or hot rodding.
However, I have been known to work up slow burning powders to above published data in my high powered rifle cartridges, but that's a slightly different story. "Slow burning powders" and high powered rifle will allow one to safely "work up" to well over the published data in many cartridges, but the key words here are "work up" and "slow burning powder".
GS