Do you shoot factory ammo or handloads?

[Mr. 16 gauge]

I handload for everything that I shoot with the exception of the .25 ACP, and I don't really shoot that gun very often. I do shoot factory ammo initially with a new gun in a new caliber until I get a good quantity of cases (current 'new' gun is a 1920's commercial Luger P-08 in .30 Luger), but then it is pretty much handloads for me. Lately, with the price of bullets going through the roof, I have been shooting a fair amount of self cast bullets through most of my handguns for target practice and paper punching chores in order to save a few bucks.
I also carry factory loads in my CCW guns, but for the same reasons treedoc has stated, not because of the myth of 'the lawyers will get yah'.