I am using 4.5gr HP38/Win231 under a 124gr plated RN or HP. That is about max load if I remember correctly and that cycles my P938 just fine. You could probably tone it down a few tenths if you wanted. It has been a while since I have shot factory ammo with the exception of occasionally practicing with factory SD ammo that I carry, but even the 4.5gr load feels softer to me. I haven't tried to load down for my small guns, but I can't imagine they'd tolerate too much of a reduction in energy.