EddieCoyle, all that I can tell from what your lawyer told you is that your lawyer would like to settle your estate. Your wife doesn't spend a lot of time over at his office, does she?
Basically, your lawyer has told you that the most important criterion in a gun fight is the legal case afterwards. That is garbage. As a lawyer, he should know that. He won't have a client if you don't survive the fight, not unless he has arranged with your wife to settle your estate.
I simply can't imagine a person honestly telling you to use the cheapest non hollowpoint ammo you can find for self defense and not to use reloads. This actually sounds like he is trying more to get you to fail surviving the fight than he is worried about your financial matters later.
My advice, as a non-lawyer, it that you use the baddest, most kickass ammo you can control very well and that is reliable out of your gun for self defense. All that legal stuff means nothing if you shoot el cheapo ammo that doesn't always ignite or doesn't do the necessary damage to stop your attacker. Heck, just to be safe, maybe you should carry less lethal rubber ball or bean bag rounds to prove that your intent was never to kill?
Seriously, use the ammo that works best for you and that you think will do the best job of stopping your attacker. If you have legal problems later, find another lawyer that knows what he is talking about and who cares about keeping you as a living client, not a dead one.
Hey, but if you don't take my advice, then please find you lawyer and ask him to provide you with the documented cases that he claims to know and share those with us. None of the other lawyers on the board have seen them either.
Eddie, and just like your lawyer doesn't have any real proof, there is no proof that carrying what the cops carry will limit your liability either. This is the same sort of myth, but from the other end of the continuum. Nobody has ever shown that carrying what the police carry will limit your liability. The great Ayoob himself he says not to use reloads or handloads and who suggests you carry what the cops carry has NEVER documented a case where handloads were a problem, but he has documented at least two cases where the cops were sued for their choice of factory ammo. Of course, the cops didn't lose the suits as the concept is pretty stupid. And yes, they were using evil hollowpoint ammo.