I often end up carrying reloads. Generally speaking its 230 round nose lead cast bullets in a 45acp.
Because thats whats in the gun and mags when I was shooting it last, and I fail to remember to change ammo out.
Doesn't worry my mind one bit. I do make sure the wife typically has factory though, I'd hate for her to be aggravated by one extra thing in court if it ever happened....
FWIW I'm a competition shooter and so is my wife. Last time I cranked out 45s, it was appx 5000 rounds. We have not quite fired all that yet... I have yet to hit one that failed....