I certainly agree, my son and I both are highly experienced and reload many thousands of loads, with some of the best equipment available.As an instructor I advise against handloads. I carry only factory JHP. There is no way I would ever carry a handload for EDC for a couple reasons. 1. Even though you might get cleared criminally the Civl Lawsuit is what I don't want to give them fodder (no pun intended) and you will be sued if your in a shooting. And 2. I can't assemble anything much more effective than good quality factory options availible.
But everyone can do what they can afford to do.
However many of the Factory "Maximum defense rounds" (they have various names but are the hottest loads available that meet all the FBI ballistic standards for penetration and expansion), are loaded with proprietary powders not available to the re-loader's commercially. I'm not sure but possibly some of the bullets are also specially selected.
I am certainly not concerned if the accuracy is different from what I practice with as the distance I would be shooting in my home is less than 30 foot. Outside I believe anything over 30' would certainly be questionable to a Jury as to being a self defense round. So if I am so inaccurate with the round to miss by 10 MOA - (that is terrible shooting), I would still be off by 1" at 30 foot range! Hardly see that as a problem.
Sure it is more expensive, but all you need to shoot is a clip or two to insure your firearm performs perfectly with the rounds (all mine always have), and that you are aware of the recoil etc. (which may be higher than you are used too seeing), then carry the rounds for a year or so - then replace - if you have put it in and out of the clip or for any reason you think you should.
All liability issues are then covered as you can honestly state "I purchased what the Police officers use", I don't think any (even the addle-brained liberal) jurists can argue with that logic.
I do have and will continue to reload Hornady and other hollow point "self defense" bullets into some cartridges. Also load a lot of self cast semi- and full wadcutter's. In a SHTF situation, I have a large stock of available ammo. But in that case I don't think anyone will worry about prosecutors or Juries.