Forum member Rastoff (who seems to be MIA for a while) made a great suggestion that I follow. When I go to the range, I shoot the top two rounds in my carry magazine(s). I then put that expensive self defense ammo back in my range bag. To go home I load my spare mag in the gun. At home, I empty the carry mag, put two new rounds in the bottom, and load up again.
I shoot monthly so my carry ammo gets changed at least annually. My storage conditions at home are a lot more favorable to preserving ammo than what happens to the ammo I EDC, so even though the newly loaded ammo may be as old as what’s in the gun, the “fresh” ammo contributes to an overall sense of greater confidence.
If I didn’t have a sufficient stock of carry ammo, I wouldn’t worry. Rather than fretting about the ammo aging, I believe cycling the same two top rounds while unloading and loading the gun puts more wear and tear on those rounds, so just rotating self defense ammo in mags can extend service life in the gun quite a bit even without firing.
Revolvers are different, and probably easier on ammo than semi’s. Like others, I have fired ammo that is many decades old without failures. Decent storage conditions and not much movement will usually allow ammo to last decades and still be reliable.