I'm a Contender collector... & as yet don't own an Encore... both guns do have their little quirks... I'm also a very prolific reloader... to assume reloads are a problem, is a problem in it's self... I personally trust my reloads more than I trust factory loads ( I certainly have more checks when assembling each cartridge than the factory does )... I also know, & have witnessed 1st hand ( cracked a cylinder on a brand new revolver using someone else's reloads ) that some people should not reload... one of my buddys ( didn't load the loads above ) can't break himself free of the TV set & often watches TV while reloading, & has a very high incidence of poor ammo... but so far has not broken a gun or injured himself, so he continues to reload ( I won't shoot his reloads though )
as far as the % at fault... sometimes that can be misleading at best... I was in a car accident, years ago, that outwardly the other driver was 100% at fault, but in court I was 25% at fault for owning a car & having it on the road... so at 40% I don't think the shooter was actually "dinged" that much for his reloads...
I've also 1st hand witnessed guns with excessive head space... I have a S&W ( same parent company ) S&W 610 that I purchased new, with the intent of using it for a custom build... it was my builder that noticed the gun had excessive headspace... I contacted S&W & was told the gun was unsafe to shoot, & they issued a recall tag... when I got it back, the service department did nothing to correct the headspace... a 2nd recall tag was issued... same thing on the return... I had to finally contact the area sales rep & I forget now weather it was the 3rd , or 4th time back, before someone in the service department actually addressed the "unsafe to shoot" condition on my yet unfired new S&W revolver... I would have never known I had an unsafe headspace as a common user... the gun smith was the only way I found out... the gun is now one of my favorites, but at the cost of close to $1,000.00 one would think someone at the factory could have caught that defect, & that I wouldn't have to wait 6 months to finally "safely" use what I spent the $1,000.00 on... so I can believe that there headspace issues on these guns...
I'm about the least sue happy guy around, but I blame the issue I had on the "bean counters" ... one would think that if enough money is spent on settlements, that someone in corporate would realize that QC is cheaper than court... & while I personally doubt the headspace was to blame for the stock cracking... if it wasn't so easy to find guns with "unsafe" headspace, then that would not have been either the reason, or an excuse for the stock breaking