My personal belief is that, with commercial ammo that is deliberately made with tolerances which (hopefully) works suitably in nearly every commercially made handgun, if you find a commercial load that works stick with it (to me suitable is hitting a vital area more often than every THREE shots).
For me, however, I got tired of trying tens of different makes, loads, etc. of commercial loads only to find that hand loading is much, much more accurate.....ones that I can use to hit vital at 15-25 yards with the resulting pattern to be covered with your palm.
I've worked up loads for my handguns that commercial loads couldn't even come close to in terms of accuracy.
Before I began reloading ten plus years ago commercial was the thing for me too...cheap....disposable (as it were) and with the thought that the company has my personal safety and interests at heart (yeah, right, lol).
I don't know about anyone else but I'd rather bet my life on something I know is consistant, reliable and accurate....my reloads, lol.