The debate about handloaded ammo can really get going. I've read articles by Ayoob and others, advising against it. I've never yet heard of someone being clobbered in court for defending himself with "extra deadly" handloaded ammo, but I suppose lawyers will try. Why give them the opportunity? I doubt I can load ammo at home that's truly better than premium defensive ammo.
Back in the day, I handloaded hot JSP loads for a Browning pistol, simply because there wasn't much decent 9mm JHP available - except maybe SuperVel. Today, we have a great selection of very good defensive ammo available in all common calibers.
If you have an odd caliber, I suppose handloading might be the logical option. But most of us carry something common.
I'll settle for reloading to save money on practice ammo, but carrying premium commercial defensive ammo.
“The police of a State should never be stronger or better armed than the citizenry. An armed citizenry, willing to fight is the foundation of civil freedom.” Heinlein