There's a variety of experience out there. 25 years ago I carried the old Nyclad 125s in airweights and either the Nyclad 158gr +Ps (both were true semi-wadcutters, not the current shape) or the Federal 110 +P+ Treasury load in steel frame snubs because they had good reputations. If any of them had failed me the way Pete's Nyclads failed him I would have never carried them again and advised others to do likewise.

Most have to rely on gelatin tests and published accounts of real-world performance. I am currently carrying Hornady Critical Defense 110 gr +P in a 642 because it has good initial test results and shoots well in that specific revolver. Could it fail me? Sure. Will I live in fear of that? No.
If credible accounts of failure on the street start to surface will I switch? So fast it will make your head spin.

Still, a hit with a less than optimum caliber or load is still better than a miss with the best ammo on the market (whatever than may be).

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I need ammo, not a ride.