115 for training 147 for defense 9mm

You definitely don't have to do it all the time. Just sometimes. Do it with the last mag as a finisher. And/or do 1-2 round training drills at the end of a string just to maintain proficiency. Think of it like sharpening a knife. The coarse grind is the cheap stuff. The fine edge is the actual SD ammo.

Or be like me (and very likely plenty of others on the forum) and just handload bullets of the same weight and relative velocity as your carry ammo on the cheap so you don't have to spend SD ammo prices on your training ammo for SD scenarios.
I usually just shoot 200 rounds of fmj per shooting session and around 50 of my SD ammo.
I’m going to buy some 124 grain fmj once I get through the 115 fmjs I have stockpiled, since I recently switched back to 124 grain hsts.
I’m looking into learning how to reload but it just seems so difficult and risky to me.
 
I usually just shoot 200 rounds of fmj per shooting session and around 50 of my SD ammo.
I’m going to buy some 124 grain fmj once I get through the 115 fmjs I have stockpiled, since I recently switched back to 124 grain hsts.
I’m looking into learning how to reload but it just seems so difficult and risky to me.
That works. It's probably more than most do. You may just be overthinking it at this point. I wouldn't worry about it so long as those round counts are going towards meaningful presentation and timed shot placement drills.

Makes sense to me. If 124gr is what you use for SD, I'd try to focus on 124gr FMJ training ammo so you're getting a roughly similar recoil impulse.

It's really not. Just pay attention to what you're doing and take your time. Listen to people with experience and watch lots of other people do it and it makes perfect sense. Work your loads up the way the book and basically everyone tells you to do and there's nothing to be afraid of.
 
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Under 21' the POI has never been a consideration for me. We shoot anything we have when we go to the range. The POI that would be affected by grain weight differences is rarely (if ever) a concern.
 
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