I find I'm taking the quality of my carry ammo much more seriously as I grow older, and realize I was probably just plain lucky I've never had to depend upon it yet. While I'm a proud cost-per-round shopper for my plinking / target ammo and prone to using a lot of factory reloaded MBI (links above), I am now going with much higher-priced JHP rounds.
I'm fond of Nickel-plated brass cases and bonded projectile rounds, and yes you pay for them, but I purchase just 20-50 of these self-defense rounds per every 1,000 or so Full Metal Jacket target rounds. I'll fire just a few of the JHP's to make sure they "feel" like my target loads, and then keep the JHP's in my carry and bedside GunVault magazines.
I fire off what's been in these "protection" magazines every six to twelve months and refresh with newly purchased rounds. As for my FMJ practice rounds, they are carefully stored and I shoot so much they are naturally turned around quickly. But . . . I have every confidence they would be fine for over a decade, sealed in my nice new 50-Cal cans with a
desiccant. You can pretty much run over these cans with the truck, throw then in the lake, and expect dry rounds when you open the cans.