I find that using full powere loads all the time is not only more fun, but it makes for better marksmanship. Training yourself to shoot these loads without flinching really improves your skill with all weapons. Also, if I only use moderate loads most of the time, when it comes time to shoot the big stuff, I'm not going to be mentally prepared for the greater recoil that I know is coming. As for gun wear, the price of a Ruger SBH isn't really that much. If I wear one out, I'll just get another.
Don't trust anything that bleeds for 5 days and doesn't die.