After looking at my manual, I notice on the page opposite the data for the Speer BB wadcutter there is data for the HBWC. The charges are on average at least a full grain of powder lower across the board than for the WC's I'm using. I did check when I started loading them to make sure I was using the right bullet with the right data, but didn't look to check out the charges on the HBWC until today. Who knew there would be such a difference?!
The minimum for the Speer BBWC's I'm using is listed as 4.5 and the maximum is 5.1 - but the load with 4.7 feels like a .38 Special and shoots point of aim, and I'm not going to face terrorists with it anyhow, so why burn more powder? I'll stick with it.
Still, I appreciate you all looking out for me and trying to keep me from blowing my hands off.