Some favor light and fast while others prefer slower and heavy. Over the last 30 years I am in the slower but heavy camp and have come to realize that the .38 Special was really designed around the 158 grain bullet. The only exception (in my book for what that's worth) is the Speer 135 grain +P Short Barrel Gold Dot.
I've always found the the light 95's, 110's and 125's are less accurate, have larger muzzle blasts, and less stopping power for SD. I also find they shoot low compared to the 158's. While I suppose you could customize your hand loads, I never truly understood why one would want to, but everyone has their own ideas, theory's and beliefs.