Off the shelf ammo cost is steep for the .327FM WHEN you can find it. I by passed both issues by reloading for it. As it's a straight walled pistol case reloading for it is VERY simple and a number of common powders work well in it. Starline does runs of the brass and surprisingly a lot of major manufacturers produce a broad spectrum of bullets for it.
I've been buying bullets for it from a local caster for several years now and am partial to the 120-grain hard cast RNFP and SWC's. As of late I've been ordering them powder coated.
Some examples of what I have on hand for the .327FM in the 115-120 grain range:
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For about 10 years a Ruger SP101 in .327FM has been my CCW. I find I'm able to shoot it very accurately. As of late I've toyed with the idea of possibly moving to something with a mag for more capacity not because I feel undergunned because of the caliber. I have not made that decision as of today.
My personal opinion is that a 3.2-4 inch SP101 in .327 makes a fine trail gun and I've used it for that prior to purchasing some other options.
To me a trail gun isn't just for protection but a gun I carry during certain seasons that would allow me to take an opportunistic shot on a game species I'd like to bag. Based on that description my choices for that purpose are as follows...
Of the ones below I would prefer the 4.5 inch (2nd from left) as my first option for a trail gun with the Birdshead grip version to the left as my second. Both are Ruger Single Sevens and chamber 7 rounds vs the SP101's six. The nice thing about a .327FM SP101 being your daily carry is you're ready to hit the trail anytime without having to swap out guns.
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