Jim,
I carry factory ammo. Why? Because I can't reload anything better! Twenty five years ago a handloader could sometimes improve on the factory ballistics. Not true anymore with the common defensive calibers. Factory premium defensive ammo is loaded with premimum compotents that are not usually available to handloaders. They are as close to 100% reliiable as it gets, and pretty well perform as advertised. Even if the use of handloaded ammo is an issue, there is no reason to carry it. The only reason I handload for my handguns is for the economy. I can load and shoot several hundred cast rounds for about the same money as one box of premium factory! I like that!!!!
Stay Safe,
Savage