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For pistols, I don't load maximum with fast-burning powders. I'll only load max or near-max in .357 and .44 Mags, but they are shot through a Ruger GP 100 and a Redhawk. I guess my own version of safety factor is to stay a bit below the data-books' maximum loads.
I compare various books; there are occasional changes over the years as to just how Maximum is indeed Maximum.
Call me lazy, I guess...Art
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