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I do both but it depends on the firearm and whether i have dies or not.
I keep the steyr M40 (.40S&W in it's case in safe) and my romanian model 74 (.32acp instead headboard of bed) as ready guns at home. mags loaded but not in pistol (no kids around) and in those are factory ammo.
If i ever had to use them i figure that whether or not the lawyer/handload issue is true or not, it's one less thing to worry about (especially if a civil case comes up as mentioned above), and the factory ammo is fine for that usage.
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