That sounds great. But how do you do it? Shoot 100 rounds of expensive SD ammo every month - at around $0.75-$1.00 a round, or use your cheap target ammo for carry in your SD gun?

I know I can't afford the former, and don't like the idea of the latter, so I reload target ammo that mimics my carry ammo as closely as possible to be able to afford to practice enough to maintain my proficiency.

I think that's kind of the gist of the OP's question.