Well, as long as we have a functional legal system, and you might have to defend your justified shootings to a jury, I would agree with not using reloads. Some prosecutor might try to imply you premeditated the killing by your reloading ‘special’ loads for that purpose. I use the common loads that LEO’s use for defensive rounds. For a jury, “if its good enough for the cops, its good enough for me”.
Of course in a MadMax world, go for it.
I had never thought about reloading as premeditation. But you’d be right to caveat that if the round was used to assassinate someone.