I don't think I'll need 500 rounds for SD (at least I hope not), so I'll save some and use the rest.
The SD ammo will keep for nigh forever .... why waste it killing paper?
Carry ammo for semi-autos needs to be changed, as chambering a round repeatedly when you can cause the bullet to get set back deeper into the case, raising pressures when the round is fired...... unless you have a model with a tip-up barrel ( Beretta 86), you will chamber a few rounds over time ....
I think I've bought a couple hundred premium personal defense HP's over the last 5 years or so.... most all the rest of the thousands of rounds have been handloads ...... that cost less than 15 cents a pop, as opposed to $1.
It's your money ..... spend it how you like......