Yup, don't use handloads in your defensive weapon because a prosecutor will try to make it sound like you are some kind of gun nuts thirsting for blood and used special, experimental, super-deadly bullets because conventional bullets weren't deadly enough for you. And very few folks reload defensive ammo, but rather reload cheap FMJ or LRN bullets so they can shoot more often.
I use Federal Hydro-shocks, which are a little bit older technology, but they are still pretty darn good self defense rounds that can be had at a good price. You may save money in the long run buying local rather than paying shipping charges, but you will have to shop around. I buy most of my range ammo at Walmart, and hit a local North 40 Outdoors when I need defensive ammo or they have a sale. You can also check guns.deals for online prices, but then you have to pay shipping and it gets pricey unless you buy in large quantities.
Shoot enough of whatever defensive round you buy to make sure they feed and cycle well through your gun. But for practice you can shoot whatever is the cheapest range ammo you can find that feed reliably in your gun. The more you shoot the more you will be comfortable with your gun and able to hit your target if the worst should happen.
And, remember, shot placement is much more important than having the latest wonder bullet. Any decent defense round will serve you well if you can do your part.