Garbler, thank you for responding. We basically agree.
Your way of thinking avoids the most trouble, that's for sure. However, I will only add this: not all factory ammo is created equally, and people gotta test their carry ammo thoroughly. I have on my shelf a box of UMC .40 HP's that jam every gun I shoot them in, including Glock and Beretta. I have no idea if it's limited to this box.
As for the gunwriters, their points are valid. But OTOH I remember the Marshall/Sanow Goat Tests that I used to take as gospel until the Internet came along. Now I'm not even sure they actually took place, and have become fairly skeptical regarding gun writers altogether. Guess I've bought too many guns that didn't live up to their reputations in print.