The SP 101 holds five cartridges...

I have carried the SP 101 without additional ammunition, although I have some speedloaders in the pickup. Hard to imagine needing more than five. In the event you take more than five shots, you better have a great explanation of the life threatening situation you were in while taking time to reload. Continuing to shoot, reload and shoot sounds offensive in nature. At least in Colorado, that would be a problem, even in your residence.