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What the "dum-dum" rounds the police use arent' good enough for you?
D) I understand you concern about costs... Just think about how expensive lawyers are! Carrying handloads can be a real problem. I would venture to say... THERE IS NO DEBATE!
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One, reloading is a great way to save on cost, I have reloaded ammo most of my life and I am 66 now. Been reloading since I was 12. Two, you can reload and shoot the hell out of it on the range and if you are so hung up on someone ripping you for defending your life then you can carry factory ammo that duplicates the point of aim of your reloads.
That said, I carry reloads for defense, load solid rounds for my large calibers, .44 and above, but load hollow points for my smaller calibers, .38 special, .380 auto etc. The law won't get you for that, but they might question why you bought factory Black Talons or some other terrible sounding name ammo to carry in your CCW gun. Cops carry hollow points.
BTW, dum dums are bullets that have been sawed off (the head of a solid round) and made into a type of hollow point, so I doubt if the police are using dum dums. The term dum dum was coined during WWI when troops sawed off the heads of metal jacketed bullets to make them better killers. Look it up, google will probably work.