Yes, the factory remington 405 grain loads aren't to bad. The +p is fairly unpleasant, but tolerable, unlike greybeard, I don't have a bad shoulder. My plans when I bought the rifle were to load it down some, but the accuracy of some of the +p ammo is so good it's hard to change especially with the hunting season on us. Certainly factory ammo will do the job on anything I want to do with it and really accurate loads with less recoil are in my future. I did put a simms limbsaver on my 1895 and highly recommend adding some sort of good recoil pad. One thing for sure, when I show up at the range with it, the gun gets most peoples attention. Buying ammo is also hilarious.."you going bear hunting?"
You don't know how many times some one at the range has told me they've always wanted a 45.70...............it's a very fun gun to shoot and is quickly becoming my favorite........