Attorneys are not going to attack you, in a legitimate case of s.d., if you're smart enough to live in a jurisdiction where they're precluded from doing so.
Kind of like the popular "shoot to stop" mantra. There's nothing in any state's lethal force statutes that commands one to "shoot to stop." Lethal is lethal; if it's permitted, then one isn't dictated to about one's methodology.
I use factory loads for daily carry, but wouldn't hesitate to use my reloads, if the situation arose where I just happened to be loaded up with my reloads.