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Actually, the first question asked in the OP is "does anyone reload for EDC?"
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That's a yes/no answer or implied context rather than an invitation to debate loading for SD. It prequalifies a person to answer the real question of what bullet is both recommended and value priced, which would not include the oft-mentioned Gold Dot, which I find at about 22 cents each rather than the 13 cents each that I located and suggested as something to check out. See earlier post.
I do load for "EDC" but only for one gun, a Ruger SP101 .357 3", which is too punishing in my hands using readily available, off-the-shelf ammo. I am not one who shoots .38 Special in a .357. Even +P are too mild for me, so I am loading in between using non-magnum powders in .357 cases.