An interesting thread. I have a flat top .44, and have done extensive research into .44 spl loads. SAMMI specs are low they are aimed at the "weakest link in the chain", there are still a lot of the old black powder guns out there, and the pressures listed for modern .44 spl., ammunition should be safe in those guns.
The rule of thumb with the Blackhawk .45s (large frame guns) is 80% of the pressure (SAMMI listed) for the .44 magnum guns on the same frame. My latest Lyman cast bullet manual does not have any .44 mag., loads above 40,000 (cup), most are in the 38-39K range.
Do the math and that is around 31K.
There was some pressure testing done with the old Keith load and those were below 30K.
Someone said earlier on in the thread, if you want .44 mag ballistics then you should have bought .44 mag., that is the truth.
The .44 spl. is one of the all time accurate handgun rounds, it is an efficient round, you get good performance with relatively small amounts of powder. What your expectations are with your .44 is truly a subjective thing. The flat top Ruger is safe at quite a bit more pressure than the SAMMI specs., for that cartridge.
The standard .44 spl loading is pretty mild, and right at the bottom of what is considered to be an adequate field load, at least in places where one may have to deal with bears.
I live in an area where thare are lots of bears, and have had to shoot on the average about one a year, because the were endangering me or my livestock. In my experience the standard .45 Colt loading of a 255 gr. bullet at 900 fps. is very effective. This is in dealing with Black bears of 400# or less. That loading is easily duplicated in the .44 spl., without getting into areas of excessive pressure.
A note: I have also taken a number of black bears with .38-44 loads, utilizing the 358429 bullet at around 1100 fps in a 4" .357.
The .44 spl., is a exceptionally good shooter, and even with nothing more than standard factory loadings is pretty effective if you do your part. A long time friend of mine killed his first Alaska moose with a revolver and factory .44 spl., loads.
There are loads for the .44 spl., that reach the 1200 fps mark, these are probably best saved for special occasions. I have a link to that data if anyone is interested enough to send me a PM.
Today we have powders, that our friend Elmer did not have, that give better velocity at lower pressures than the powders of days gone by.
What works? For me a 250-260 gr, bullet at 900-950 fps. This is pretty much Skeeter Skeltons favorite load with 7.5 gr., Unique, easily achived with the flat top Ruger with out "pushing the envelope"..