This exactly. Is the (probably-negligible) benefit of your handloads worth the many thousands (or tens of thousands) of dollars you'll pay me (well, probably @henschman) to overcome that extra hurdle? For myself, I say no; Speer Gold Dots work just fine for me, and even at $1/round, are a real bargain compared to lawyers' and expert witnesses' hourly rates.One thing to be aware of is that powder burns and powder residue are not the same thing. A well-experienced criminalist can make a very good estimate of the distance from the muzzle to the target and even though various factors will be considered, these estimates are usually quite accurate. The closer the shot, the more concentrated the residue on the target.
Factory loads merely permit a better comparison of the test results as opposed to the use of hand loads. The use of hand loads won't by itself make a legitimate self-defense shooting into a crime, but it might make self-defense harder to establish in court, particularly when the distance from the shooter to the target is in contention.