.223:
For plinking:
We do old brass fired multiple times, with Varget, and bulk hornady 55gr SP with Cannelure bullets.
For accuracy:
Depending on twist (which you know all about Doc), I'd do something never or once fired Norma, Lapua, LC brass, and 62-75 grain bullets, probably Speer Match King BTHP. You can use Varget here too, it's just not the most accurate at full velocity (which most powders aren't). You'd probably have to look at a website more dedicated to shooting small groups to find out which powder is best here with enough velocity for the longer shots.
For SHTF:
I do a little of both (actually three). We have loads based on plinking, accuracy, and even Urban (40 gr V-Max). Basically anything will work in an emergency and you can do most work with the plinking and precise work with the heavy, accurate loads.
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
.45
SHTF:
We prefer a classic here. A Hornady XTP bullet pushed at 850 fps. Accomplished with previously fired brass and Unique powder.
For plinking and back-up SHTF:
We did use Hornady's bulk HAP (Hornady Action Pistol) bullets that were still hollowpoints but cheaper than the XTPs. Now we're using Oregon Trail Cast as anything else is hard to find. They're accurate, still in 230 grain, and I imagine they expand/penetrate acceptably in an emergency. Shoot the brass until it's split or lost.
Really, though, because of price the plinking load is the most popular.