Maturity in ammo choices can have a different appearance depending on the purpose for which a person is shooting. Economy is going to be a factor in any endeavor that calls for a high volume of fire, but plinking is different than competition with power factor rules. Terminal effectiveness is important to hunting and self-defense but the ranges and type of target can vary significantly. I can't prescribe what maturity looks like for any one person's purposes, but there are certain to be a few people here that are examples. I don't consider myself one -- haven't been around long enough.
One description of what a mature choice in ammo might look like would be a cartridge that's just enough to make sure the job gets done. Note that phrase includes the words, "just enough" and it also includes, "make sure." In off-road driving, we say "as slow as possible, but as fast as necessary."
If one's purpose takes terminal effectiveness of handgun ammunition into consideration, they should consider the following. It is evident from research on the subject that velocity, bullet energy, or momentum in excess of what is necessary for expansion and sufficient penetration of the target, including any barriers, isn't productive. I won't thoroughly rehash handgun effectiveness theory in this thread, but I'll point to another recent one on the matter and leave you with the question: does your hot ammo really do anything meaningful that normal ammo wouldn't do just as well?
https://www.thehighroad.org/index.p...eos-ive-seen-on-ballistic-gel-testing.850256/