Something
I have to keep in mind is the simple fact that on these forums, we have folks from all over the world.
Folks are subject to legal restrictions - both in regard to types of fireams and ammo choices ( i.e. no military, police calibers).
Now a person from another country , restricted, IMO is better off with ball ammo in a .25ACP or 32ACP. Of course I recommended to a person the 158 gr LRN in his Taurus snubby would IMO be my first choice if I were in his country. Reliabilty of weapon being priority basis for my suggestion for this case and the choices the gentleman shared. The other two guns and calibers were iffy on reliability and ammo avail.
Mr. Hayes - I respect your opinion.
Here in the US we are fortunate to be able to buy "Value Pack" ammo to practice in 9mm for less hassle & time than reloading. Many students will practice if the ammo is affordable. A box of White box JHP in 115 gr for a student to stoke the Glock 26, Keltec P-11, used 3913 ...is not expensive for carry use.
.38spl is pretty affordable in the US as well for a variety of practice and Carry loads.
I enjoyed teaching ladies,many had a familiy member that reloaded - which afforded more practice. Ladies will practice, and IME are better students because they do not have have the male ego , preconceived ideas...and don't buy magazines with floweredshirted guys pointing guns at self.
So when a student calls me a bit upset that they messed up and shot up all the carry ammo, testing for reliabilty and carried reloaded FMJ ammo until they either got back home or bought some..."what if something had happened and I had to defend myself with reloaded FMJ" - I replied "stopping the immediate threat seems more important to me than being raped don't you think?".
When the 80 yr with arthritis is getting some range time and she cannot shoot heavy loads from a model 10 and her late husband has boxes upon boxes of 148 gr target wadcutters she can shoot. Well , heck. use the darn target loads until I find that box of 158 gr standard velocity LWSC -HP factory loaded I have around here - somewhere. I dropped off the Factory Win and Fed for her. Her pencil thin bbl preferred the Fed for POA/POI. She lives an hour away, rode in with her daughter for CCW that day...I was about a week in getting the time to run down her way. In the meantime...
I just feel the ladies should feel confident and encouraged to defend themselves. They should NOT feel more afraid and scared of the Law and using "wrong ammo" - than being mugged, raped or worse. IMO.
Put a choice of having reloads and being armed or no factory ammo and not being armed and threaten to hurt a Mother's child or kidnap...hell has no fury like a momma protecting their kids.
So I respect Mr. Hayes , his wife and what he does for teaching , training and RKBA...
I just hope this better explains my thinking and rationale.