After shooting rifles, shotguns and handguns for 50 years now, I don't see any real reason to change out carry ammo. I know all the current arguments, and they have merit. I do change my carry ammo, and use that older stuff for practice. Like it was said, it costs nothing really to keep fresh ammo in the gun. If I were to forget though, I don't think I would be worried one tiny scintilla about whether or not the darn thing would go 'bang' if needed.
I have had brand new factory ammo not ignite. I have had 80 year old ammo go bang the first time. I don't think you will ever really know which will happen.
Whole lot of worry going on here.