You're probably not too short from your description. If it works for you I wouldn't sweat it. Often times, new factory ammo is headspaced shorter than what would be considered minimum. You could very well be able to use factory as well as your reloads. The only time you might run into trouble is running out of the ability to crank your FL die down far enough to get to the shoulder, although it sounds like you're not having any trouble so far. I usually try to headspace in between go and no-go.