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Excellent points Dan. Sadly for me I live in a state where it makes more sense for me to use factory ammo for HD/CCW (this is debatable, but not in this thread) so I have to trust that the factory ammo I carry will actually go bang.
I generally carry 2-3 different brands/types of ammo in my HD/SD guns (all tested for consistent POI) to help mitigate the risk but I would certainly prefer to trust my life to my own ammo if I felt it was worth the legal fallout.
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