How does one establish facts? We hear what people tell us happened to them. We either believe them or we think they're lying just to hide the fact they were really shooting reloads so that S&W will take care of them and make it right.
I guess it depends on your faith or lack thereof in your fellow human beings.
Either people are basically good or they're basically lying ***'s.
Don't ask peterthefish, we know what he thinks.
He's already become too jaded by the world.
I don't believe in some oversimplified dichotomy that people are good or evil (or lying asses).
I believe that most people in this world are self-interested. Fortunately, for most people its in their best interest to be decent to their fellow humans, obey the rules society lays out (whether they personally agree) and so on.
But sometimes that self-interest isn't so pretty. For those stricken by extreme poverty with no exit in sight, self interest makes crime appealing. There is little to lose.
Faced with the prospect of a blown up $450 gun some folks might figure, hey, the manufacturer's a big company, let them eat this one (even if I goofed). After all, I'm a loyal customer.
I think that take on the world is resoundingly validated in threads about carrying in facilities which prohibit firearms on premises.
A surprising (to me) number of folks on this board, in another thread, indicated that they would simply ignore the sign (even if it carried force of law). Their self interest in their right to carry a firearm overrides the fact that property rights (where those rights include the ability to lawfully exclude firearms from ones premises) ought to be all but sacrosanct. After all, the second amendment exists in large part to allow us to protect our property rights against others who would not respect them but for force.
I respect property rights of others because I think it's in my self interest to do so, but it never ceases to amaze me how many others will step on your rights out of their own self interest.
To get back on topic, I have read a lot of kaboom threads - used to research every gun I bought meticulously, and I have bought a couple. And my prior note was only very slightly hyperbolic. Find one which goes to resolution (with investigation by manufacturer of firearm and ammo) where the OP states it was definitely no way no how reloads. 98 times out of 100, it was reloads, or gunshow ammo, etc... And those are the ones that get resolved, where the poster has the stones to come forward and admit they were wrong.
Here's the reality. Reloading is not for everyone, and probably not for a lot of people who do it. I imagine a lot of folks get through without issue because they get recipes from experienced reloaders, or get on the right side of things when they deviate from a book. But I was talking to someone a couple weeks ago who was loading 9mm. He was loading a what was an over his books max load of Power Pistol for a 115 gr FMJ JHP. Except he was loading a Berrys 115 gr RN plated (softer so lower load called for) at the OAL given for the JHP. Since the RN projectile is longer than the JHP, the OAL was short and resulted in even higher pressure.
After some discussion, it became clear that he just didn't have a head for the implications of changing some of the book variables. And he's not a dumb guy, and a good shot to boot (although not with that load!).
That (in .40) is the stuff kabooms are made of. And a failure to acknowledge we made a mistake, out of self-interest in preserving our pocket book, or our self image as infallible, is what kaboom threads are made of.
/Rant off.