One of the main issues with hand loads is the potential to errantly recreate Gun Shot Residue, or not recreate it at all.Also, there have beencases where prosecutors tried to paint the hand loaded ammo as deadlier, or built with malice intent (i have to laugh at that - really), and caused an undue focus away from the fact that it was a self defense case. Now, chances are, using hand loads in a self defense arm wont cause much headache in court, however the potential is there, and one than has to weigh the cost and consequence of against the cost effective, and performance advantage over shelf brand ammo.
Take a moment to remember the "Black Talon" and though it was not a hand load, it cause a great uproar.Point that affect towards how a hand load is perceived in court, and there we go.
I will cite the Daniel Bias case - others can be googled.
Hope this gives good foo for thought.
P.S. I think the final thought would be: If you have a good, motivated Lawyer, then you should be ok, unless you were using some way-crazy-out of this world hand load with phosphate and nails... If, like me, you cant afford a lawyer, then use off the shelf ammo.
-consider- make sure your hand loaded ammo can be recreated,and keep a couple shells for that one dark moment where the courts might need a sample of the ammo for testing.