I tend to ladder test up around recommended max, (starting at below max of course ) when i find a good accurate load around there I stay with it for that powder / projectile combo. I wouldnt exactly call it hot loading, but its usually not on the slow side either.
I like to think i am still getting good brass / barrel life, with the addition of good bullet behaviour.
I will revisit that specific load from time to time to evaluate that all is still well
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