I think reloads are going to be more of an issue in civil suits than criminal trials. "Preponderance of the evidence" in a civil suit is much lower than the "beyond a reasonable doubt" standard of a criminal case.
I agree with the idea of carrying a load that the cops carry. Very hard to disagree with that. If it's bad for me, then it's bad for them.
I'll happily train with reloads all day long. But the only ammo issues I've ever had in 20+ years of shooting were from reloads. I won't carry them as defense rounds unless I have to.