OVer penetration
Well at home, you might not be charged if your load overpenetrated a bunch, but what if it went thru the perp, the wall and whacked a member of your family? So you are legally off the hook, what consolation is that? I handload for my Smiths for practice, but I keep the 145 STHP load in the speedloaders for my mag. at the ready, glad to hear they are rated best. They also are pretty accurate, but cost alot.