There have been articles written in several gun magazines (at least one by Massad Ayoob) on this topic advising against using self-loaded ammo.
I've long suspected that Ayoob's advice to not use handloads for defense was inspired by money from ammo companies. I think he actually did quote one single case where the issue of handloads came up. A suicide case I think it was.
Even so, a single case does not a pattern or trend make. Keeping our priorities in order, critical thinking shows us that not using handloads for SD because they'll put you in jail for it, is a minor consideration. Keeping ourselves and our loved ones in our charge safe is paramount.
This can only be accomplished by a lot of practice, and some studying of the local laws about the use of arms for SD in general. You want to run a lot of ammo through your EDC to prove it's reliability with your chosen bullets. Some say this number is 200, some say 500. You want to run a lot more of the ammo through your EDC for placement practice.
How're you supposed to do this with factory ammo with it at 20 to 30 dollars a box for 20 rounds? Not everyone is independently wealthy. Lead boolit handloads solve this problem nicely. Before someone mentions how nice the dollar per round hollowpoints open up and reduce your chances of over-penetration, I'll say that I think the over-penetration issue is overblown also. The problem is not over-penetration, the problem is missing your target. A dollar per round hollowpoint will not keep you out of jail if you miss and strike an innocent bystander.
If handloads become an issue in court, then you've already done something wrong to make them look closer at the incident. When some people defend themselves and are not even charged with it, the defensive nature of the incident is readily apparent. A lot of the SD incidents are this way, moreso than one case of questionable suicide. If you're practiced up with your lead loads and are very aware of your environment and so forth, your bases are covered.
I don't hold it against Ayoob for suggesting to buy factory for SD. It's not a bad idea, just not the best idea. Besides, they drove a dump-truck full of money up to his house, so who wouldn't take that deal? lol. I say use lead, practice more than you would with hi-dollar HP's, and watch your step out there. Being righteous in your use of the gun, and being practiced up enough to know where you're printing will keep you out of jail more than use XX brand of ammo.