My friend (RIP) was an instructor, a crack shot, a gunsmith, Nam Vet 2 tours, and an all around handgun aficionado as well as rifles and long distance shooting. Anyway, he told me if you would happen to defend yourself with your handgun, it's best to have factory loads in your gun should you shoot somebody in self defense. I would imagine a lawyer or district attorney would use that against you, also, if you had a trigger job done on your ccw as well as hot-loaded cartridges. Just something to think about. I'm in PA; maybe other states don't care. I don't want to find out! Also, I don't want to shoot anyone, but, better them than me! Quaker Oats (twisted) quote: "Nothing is worse for thee than me!"