I actually roll my own ... buck and slugs. You do not save a lot of money doing it unless you've got a ready and free supply of lead of course, and are already set-up to cast your own boolits so-to-speak.
But what you will derive from the process is a lot of satisfaction and the comfort of knowing that, no matter what the future may hold, if you've got the right components you can roll yer own.
With regard to home defense. That has all changed and it really all depends on your state.
If you live in a state with a Castle Doctrine in place, then it doesn't matter what you use if they invade your home. You can behead them with a sword or dig their hearts out with a dull spoon as long as you are defending your castle. If you live in an anti-gun state then again, it really doesn't matter what you use - you're probably going to have charges brought against you by your DA so, in that case, tis better be judged by twelve than carried by six.
Now, with all of that said - if it is strictly PD and home defense that you are worried about ... just go invest in some good store-bought 00 or #1 or #4 buck, depending on any over penetration issues you may have and also, most importantly, depending upon which one your platform prefers to eat without hiccuping. Practice with a lot of it, practice a lot, a lot ... then keep your 10-100 shells just for PD and home defense.
For a lot of people who do not shoot that often, particularly shotguns, you may want to go with the low recoil stuff.
Another thing - loading it yourself, if you do ... be sure to take time to practice with each recipe at night as well as during the day. You're going to be surprised by how characteristically different the loads will be between night and day with regard to PD or home defense use.