OP:
welcome to the rich learning opportunities of the 650. After almost 20 years with this particular machine, it is possible to invent even newer mistakes that serves as a temporary hesitation in progress of the growing pile of ammo that flawlessly issues from it's productive maw....don't ask how I know this....*kaff*kaff*
I've experimented widely with powders & projectiles in those calibers you mention. Personally I've yet to find a 147 9mm load that give me any advantage for my own purposes.
I'm satisfied with 115/124 whether lead or otherwise, and as long as heavy enough to cycle the action all recipes seem to perform well enough for accuracy in a variety of 9mm pistols.
38 Special also performs very well in any of the 124-158 cast lead recipes found in standard publications. I'm a recent convert fan to the long ignored 147 DEWC that somehow I overlooked for so long.
My own demand for 'accuracy' has found variations in such are more attributable to personal daily variables than what the recipes produce. Some gun powders are more or less pleasant to shoot due to such as muzzle blast, recoil, or even residual odors. My days of need for bulls eye accuracy are long past, and as long as I can expect reliable 6" steel plate music at 50' I'm satisfied....although now & then a golf ball sneaking into the target bay may need a little attention.
In 45 acp I favor 200 or 230 grain RN lead. While I get best accuracy at around 750fps, many powders just don't have that slowness. Getting above 825 or so my groups start to expand. You'll find your own favorite with a bit of experimentation.
Good shooting!