I opted for "Carry Factory SD Loads", and my choice of loads would be one of the major-maker FBI-touted 38 Special +P LSWC/HP. This load is easily reloaded for practice ammo with affordable components--small powder weights, 158 grain lead SWC bullets, and SP primers. Carry factory stuff, crank it off yearly and swap in fresh ammo--reload the empties and add that to your practice supply.