It's no secret that H&R 45-70s generally have short throats, or more to the point, no throat, it's always been a PITA for 45-70 Handi and BC shooters that want to shoot bigger bullets. I have 4 and none of them would load the 405gr Rem JSP seated to the first cannelure, but that's not unusual for it, even factory ammo isn't seated that shallow, same with most other 350gr and bigger bullets. I throat reamed all of them to get around the issue. I just checked my SS Ultra Hunter, the 405gr Rem is into the lands at 2.263", 350gr Speer 2.683", 400gr Speer 2.501" and the 350gr Hornady 2.491", so it's got the same problem for bigger bullets.
I used Randy Reeves' COL tool to determine COL, it works better and costs less than anyone else's available, there's a link in the FAQs on it. As long as you work the load up with the same COL, even if it's into the lands it's not going to hurt anything as long as you can load and eject an unfired round.
Tim