Seems to me, that Handloads are just as suitable as Factory for their intended purpose of self protection. What am i missing?
Massad Ayoob, a noted firearms trainer, author and expert witness for clients in various court cases, has noted cases in which idiot prosecutors have made issue of hand loaded ammo, deactivation of safety devices, and other issues that a knowledgeable gun person knows to be stupid arguments designed to confuse juries, who are equally as uninformed about firearms matters. Thus, he has counseled against the use of hand loads, removing magazine safeties from guns that came that way (Browning High Power, for example), and other things that gun owners understand, but ordinary folks do not. I think his advice is cautionary and follows the theory of "why inject an issue into an otherwise complicated case if you can avoid it?"
There are two sides to everything. For example, with handloads:
Prosecutor: you used special powder, special bullets to make your own killer loads. Factory ammo not deadly enough for you? You were premeditated by going to the trouble to make up your own killer loads. You were lying in wait to kill someone at the first opportunity.
Defense: My client handloads all sorts of shells - he doesn't kill with those. He does so as a hobby, it saves him money, he can control the load better, make better quality ammo that is less likely to have a misfire, more accurate in order to do what he can to make sure an innocent bystander is not hurt or killed (this one is easily refuted because minute of B27 is easily obtained even with the worst factory ammo), he can cast softer bullets so they expand more and are less likely to overpenetrate, making them less dangerous to bystanders, etc., etc.
With juries who know nothing, why not just remove the issue from the case by using a factory tested and proved ammo similar of the same as your local police, who are also concerned with only stopping, not killing, and lessening the harm to bystanders from over penetration, etc.
It may never come up, buy why inject a potential issue at all?