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My main concern with ammunition in a carry gun or in a home defense firearm is with semiautomatic firearms. If a round has been chambered multiple times, the bullet might have been pushed back in the case. For that reason, I try to shoot my carry ammunition every so often.
A secondary worry- for carry, not home- is that the ammunition may have been wet. For me, that's anything from sweat to falling in the river while fishing.
None of this applies to ammunition that's just been stored in someone's house.
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