Not a good idea to carry re-loads for self defense, but rather than take my word for it, or some third-hand account of something that Massad Ayoob might have said, listen to what Mas has to say about it in his own words.
On the web page for Tom Gresham's Gun Talk radio show, he has an archives section with lots and lots of good information.
Go to; http://guntalk.libsyn.com/index.php?post_year=2008&post_month=10
Scroll down to 26 October, 2008
Guest Massad Ayoob - Author - "The Gun Digest Book of Concealed Carry"
Click on direct download, or podcast.
24 minutes into the interview a caller asks about hand loads for SD.