NEVER but NEVER use reloads as self-defense ammo. They will rip you apart in court if you have to use one.
I do not understand this statement. As an attorney, a former prosecutor, it makes no sense to me. The issue is whether the use of force is justified. If so, it makes little difference what load you use. Seriously, it doesn't matter whether you loaded it yourself or bought it at Wal-Mart.