THE MORAL: no, you will probably not get prosecuted and or face jail time over a handload. the issue remains if you kill the guy, the family can take you to court for wrongful death. And alot of families will depsite their loved one being the criminal, illegally in your house, maybe even armed. IF THIS HAPPENS, YOU WILL FARE BETTER IN CIVIL COURT IF YOU CARRY THE SAME AMMO AS YOUR LOCAL POLICE. A good attorney in a civil case will make issue of a handload. Some of you think that is total BS, and that is fine. Me, I will play it safe and not worry about it.
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Now I'm worried!My self-defense load is 1.5 oz. of No. 2 shot in a12-ga. pump shotgun. Since a load of shot of any size from a 12-ga. is pretty devastating at indoor distances, I fear that some lawyer might assume I chose it because of that fact. Rather than because buckshot, slugs, or indeed bullets from a .45 ACP (which is what the local cops use)might tend to endanger the neigborhood more.