I like the Hornady 200gr XTP's, in front of Blue Dot. A nice compromise between velocity and energy. Easy to load. Yes, I carry reloads...mine, or factory ammo. But I like consistency, and I am more consistent than the factory, and I don't load hot. I don't load for anyone else. They only work in my weapons, no others. Mas Ayoob aside, I'll take my chances, since I don't CCW (check my state).
OTOH, like Tam, if I see a deal (either components or factory rounds), I am free to change my mind. I usually don't mess with sight adjustment when switching around, I move my POA instead. (I keep them set for my own load). It usually boils down to the difference between top, center, or bottom hold, at acceptable handgun ranges anyway.