Concerning the use of wadcutter bullets, while they may be fine for the initial load, if you plan on carrying/using a speed loader I'd suggest filling it with bullets that have a round profile. The sharp edges on wadcutters make them a little more difficult to load a revolver's cylinder from a speed loader, at a time when a couple of extra seconds performing this task could have a fatal consequence.
I agree with you. And that was indeed my plan. But reloading the .38 would be Plan C. Plan B would be my Ruger LCP .380 which I also carry. I find the New York reload pretty much beats any other reload.
(Luke 11:21 KJV) When a strong man armed keepeth his palace, his goods are in peace:
(Luke 22:36 KJV) Then said he unto them, But now, he that hath a purse, let him take it, and likewise his scrip: and he that hath no sword, let him sell his garment, and buy one.