This has proven to be an interesting thread which has prompted me to evaluate my SD rounds versus my handloads. I tend to reload first to make the most ACCURATE ammo for any of my particular firearms, then to reduce the cost of shooting. In 95% of my handgun shooting, I am focusing on match distances of 25 or 50 yards, well beyond self defense range. If I am loading for handgun hunting, I am looking for both performance and accuracy.
For SD, I will be carrying either a 45, a 9mm, a 38 Special, or a 380, depending on the prevailing circumstances. Using the handgun hunting philosophy of using the largest bullet metplat possible to inflict incapacitating shock, that would apply to only the 38, for matters of reliable feeding.
Having reloaded for over 30 years, I am comfortable with the reliability of the ammo I have produced, especially since I have never experienced a misfire or squib load. That being said, I doubt that I want my first misfire to occur in a life and death SD situation. That is when I want my survivors to be able to turn to a producer should I perish using their product.