Agreement with great response.
Followed with my agreement to both of above.
Commercially loaded stuff is plain loads, middle of the road and nothing special.
A 'recipe' is only a listing of what has worked at some time for some one else in some other weapon. It is a guide line as to what may be possible with those set components.
Your first concern is SAFETY. If the load blows up and kills you, 'it' may have been great in some testing action with a 26 inch barrel, but not much good for you.
Second concern is function. The bullet is pushed into the barrel.... and not out the muzzle. The load freezes the action. An autoloader doesn't perform the desired actions. Your load must function properly, or 'it' isn't any good.
Hopefully the data listed in a loading manual or with a reputable on-line source will get you past the first and second concerns. That is why we have them.
This brings us to this point, the best part in my opinion, building the actual load. This is where you, the loader, find 'the' loading that will give your weapon your desired accuracy and velocities and energies and smooth function. This takes testing, sometimes a lot of it. But we all fall back on those book listing for a starting point to select the bullet weight and type, powder type, primer choices and the finished mechanical sizes (C.O.A.L. being one).
There is no one 'recipe' for a given round, only a starting point.
If you are only interested in sticking together some stuff and going bang, use a 'starting' load from a reputable source and stop there. If you want better, well, it takes thought, time and some work.