My issued 4 inch S&W Model 686-6 duty revolver is loaded with Remington 125 grain SJHP .357 Magnum loads with 4 speed loaders on my belt. My 3 inch S&W Model 13-3 off-duty revolver is loaded with Speer 135 grain GDHP .357 Magnum "Short Barrel" loads with, when wearing a jacket, 2 speed loaders in the pockets. My S&W 642-2 is loaded with Speer 135 grain GDHP .38 Spl +P "Short Barrel" loads. My 2 inch S&W Model 12-2 (1962 vintage) is loaded with Buffalo Bore 158 grain LSWCHP-GC Standard Pressure .38 Spl loads, as is my 4 inch tapered barrel S&W Model 10-5 (1977 vintage). The (minimum 2) Bianchi Speed Strips I carry with the K-frames and J-frame hold the same BB .38 Spl loads.
I use the Monarch .38 Spl 158 grain SJHP for practice ammo if I haven't been keeping up with my reloading. It also makes up the bulk of my SHTF ammo since it is cheaper than anything other than gun show reloads and is plenty accurate in all of my guns.
I rarely go out without two and sometimes three of the guns above. They all have the same manual of arms and can all use the same .38 ammunition. I don't consider myself less than well-armed with any of them.