Ditto callgood's advice. I carry factory Speer Gold Dot or Hornady XTP loads, and reload Gold Dot or XTP rounds for practice. With my (cheap) Chrony chronograph I can pretty much duplicate factory performance in my reloads, can practice a bunch with a clear (financial) conscience, and over the course of a year or two save the price of the chrono to boot. Without a chrono you really are flying blind - my loads almost never equal what the reloading manuals predict for velocity, usually they're below predictions but occasionally above. Either way you get valuable info from a chrono.