A few comments regarding some of the above comments...
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Secondly, using hand loaded ammo for SD is just plain foolish.
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Mossad Ayoob cited a case once where a hand loader's wife shot herself. Long story short, there were several types of ammo in the home in that particular caliber, and the police confiscated a self defense load. During their forensic testing they decided the lack of powder stippling meant the range at which she was shot was too long for it to be a suicide and the husband was charged.
He had to hire his own forensics experts (Ayoob being one of them) to demonstrate that she'd actually shot herself with a lighter target load, and that when test that load in fact did not leave powders stippling at the range required for a self inflicted gun shot wound.
This case gets used as an example of why hand loads are "bad" for a self defense load, but it's not relevant.
Yes, there are forensic data bases that can be used to help identify the load used in a criminal shoot, but thats not the issue in a self defense shoot, as you're already identified as the shooter, the handgun is known and so is the ammo. What matter is that any forensic testing done corresponds with your account of the events.
Thus the key concern in a self defense shoot is to clearly identify the load you used. In the above example, self defense loads had nothing to do with the forensic error - the problem was difficulty identifying what load was used in the suicide.
It doesn't matter whether you use factory SD load or a hand loaded SD load - what matters is that you clearly mark your self defense loads and keep them separate from all other ammo in your home so that in the event you are involved in a shoot you can provide valid test ammo that can be used to confirm your account of the events. So, mark you SD ammo as such, and then load your SD weapon out of that box, and when the box gets low (les than 5 rounds left in the box, get a new box, mark it as your SD ammo and load your SD handgun out of that box.
I use hand loaded self defense loads for two reasons:
1. Given that I develop the load based on a velocity that is well inside the designed expansion envelops and based on 12" minimum penetration, I know exactly what performance I am getting out of my handgun; and
2. Even loaded in new brass with a 125 gr XTP, my .38 +P and .357 Magnum loads cost me about 1/3rd to 1/4th the cost of a similar self defense load. That means I can shoot my self defense loads 3 to 4 times as much for the same cost as a factory load.
There's a great deal of value in expending your carry ammo downrange every month or two. Your carry ammo very quickly becomes the crappiest ammo you own given the conditions you carry it in and rotating it on a regular basis limits how bad it can get. Expending it down range also improves your proficiency with your carry ammo and continually confirms that it functions as designed in your actual firearm.
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Lastly, back yard testing of ammo proves nothing when it comes to what works well for SD in actual shootings.
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The main problem with "back yard" testing is that it can lack rigor in terms of the ballistic gel used and the number of rounds tested. One or two rounds fired don't mean much, even in properly calibrated media, and 1 or 2 rounds fired into non calibrated media is more or less useless. But, if the shooter uses a well thought out and controlled experimental method, uses calibrated gel and uses a sufficient sample size, "back yard" testing can tell you a lot about how a particular load works in your particular firearm.
There's also the age old arguments between the folks who believe the repeatability of laboratory gelatin tests means something, and the forensics folks who put their faith in data from real world shoots.
In truth both areas have a great deal to offer, and ballistics gel tests don't mean much if you can't anchor the theories with actual results in real world shoots, with real world variables.
And at the end of the day, all pistol rounds are inadequate when it comes to stopping an assailant and it's solid bullet placement resulting in a CNS or cardio vascular hit that makes a stop.
And that requires practice, practice and more practice - particularly with a short barrel revolver like a J-frame or snub nose K frame. I've found that most people who carry them shoot them very poorly, and that's because few people who carry them are willing to shoot them enough to get good with them (particularly the J-frame).
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I do not believe Hornady is trying to do anything but supply ammunition to those who need lighter recoil in a good self defense ammunition.
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This is merely a ploy by Hornady for a bigger piece of the female market as many women fear recoil and Hornady is pandering to this with the philosophy that "something is better than nothing" and I wholeheartedly disagree. I have seen very elderly women shooting a good solid defense rd. in .38 and I subscribe to the belief that you train the shooter "up" and not dumb "down" the ammo.
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I agree that Hornady is obviously catering to customers who want a lower recoiling load. That's a good thing if it gets them out shooting their handgun more frequently.
(Read my comment above about "practice".) It's also a good thing if it gets more people, and in particular women, out shooting.
Every new shooter we welcome into the sport with open arms is another pro gun voter and we need every one we can get - regardless of whether they are black, white, brown, red or yellow; straight, or gay; Muslim, Buddhist, Hindu, Jewish, Christian, atheist or agnostic; male, female or transexual; conservative, moderate or liberal. In fact we probably need to attract as many of the moderates and the liberals to the sport as we can as they're going to be the swing votes that matter down the road.
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For me, if I want to use a 90gr bullet I would shoot a .380 Auto, not a .38 Special. I am not a fan of light bullets in any caliber especially since using one is only good for generating high velocity numbers.
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The shop I work at got some of the Hornady 'Lite' pink-packaged stuff.
If you look at the printed ballistic data on the label - it's pretty much a .380 load in a .38 Spl.
Perhaps something good for the recoil-sensitive using lightweight revolvers.
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Here's a bit of a reality check for the .38 Special fans. You are going to be very hard pressed to find a traditional standard pressure .38 Special load that will achieve the FBI's penetration and expansion standards in bare gelatin when shot from a 2" revolver.
There are several standard pressure .38 loads that have a reputation for getting the job done - but that's when they are fired from a 4" barrel. In a 2" barrel it's another story entirely, and you need a .38 +P load to gain back the velocity lost in the short barrel.
In contrast, the lowly .380 ACP can meet the FBI criteria provided you use one of the half dozen or so commercial loads using a 90 gr XTP (or the hand loaded equivalent) AND use it in a barrel long enough to generate at least 1,000 fps. That generally means at least a 3.4" barrel (like the PPK/S). At that velocity you'll get just over 12" penetration and adequate and reliable expansion.
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In terms of the 90 gr FTX in .38 Special, Hornady advertises a 1,200 fps MV from a 4" barrel, and realistically it should be able to make 1,000 fps in a 2" barrel. (My experience with 125 gr XTP .38 +P loads suggests about 170 fps velocity loss between a 4" and 1 7/8"barrel).
However, Hornady is using the FTX bullet, and that's not a good thing from a penetration perspective. The FTX is designed for rapid penetration and designed to avoid plugging in a heavy clothing test and it does both things very well. Unfortunately, it also expands very quickly and dramatically and at 1200 fps Hornady indicates only 8.25" penetration. That's not enough to get the job done in anything other than ideal circumstances.
The question then is whether the lower velocity in a 2" barrel would slow the expansion enough for the Hornady 90 FTX load to provide adequate penetration. I doubt it, but I'm willing to see some test results before I condemn it.
Hornady indicates the 110 gr FTX +P in a 4" barrel with a 1090 fps MV will make 11" and it's also a not quite up to the task, but again a lower velocity might slow the expansion enough to make 12" - or not.
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Personally, I view the XTP as a much safer bet in a 2" .38 Special. The XTP bullets were designed for moderate and controlled expansion to meet the 12" minimum penetration and just barely meet the 1.5x minimum expansion requirement, rather than going over board at 1.6x or 1.65X. A such the XTP bullet are ideal for marginal calibers like the .380 ACP - or in this case a 2" .38 Special.