I consider my reloads to be as well assembled as factory ammo, and would have no problem using them in a self defense situation. I don't consider them to be more efficient in a SD role than the factory loadings. From an unsupported position, few of us can shoot 2" 25yd groups anyway, so I'd say accuracy differences between factory and hand loads is a moot point. With any legitimate published load, we'd be hard pressed to best factory velocities, and considering we're using their bullets, terminal performance should be about the same. The only legitimate reason I can think of for using reloads for carry, is cost. With premium pistol ammo selling for more than a buck per round, if you shoot much you'd better have deep pockets. I shoot 50rds of factory ammo a year doing my annual qualification, the rest of the time I'm shooting my reloads and carrying fresh factory stuff.
Savage