You'll find that the fastest handloads are in line with the fastest factory ammo, in real numbers.
Not in terms of the numbers printed on the ammo box, but in terms of what your gun actually does.
There are dozens of powders that will function in any given cartridge and not all of them are ideal in terms of velocity.
You can almost always find a powder that will match or exceed the real world velocity of factory ammo. I don't know of any exceptions though I don't doubt that they exist. Ordinarily, you can find quite a few powders that will match factory ammo speeds. Your task then, is to find the REAL advantage of handloads... accuracy WITH velocity.
Still happily answering to the call-sign Peetza.
The problem, as you so eloquently put it, is choice.
He is no fool who gives what he can not keep to gain what he can not lose.
-Jim Eliott, paraphrasing Philip Henry.