Update:
Upon trusted advice, and after reading Richard Lee's treatise on reduced loads (using Lee's published "1-gr reduction" values), I have determined that IMR 4895 (of which I have plenty) will work as well as H4895 for reduced loads.
There's nothing magical about H4895, it's just the only powder for which Hodgdon took pains to publish reduced load data for, and is arguably one of the best powders for that. (FWIW many other powders may be safely reduced loaded to 60% of max, using Lee's published data as a guide.)
