I do reload but I only have a single stage press so it is a pain. Also premium bullets like Speer gold dots are about 30 cents per round. Then add in the price of buying brass (not to mention powder and primers) and the price of factory ammo is not to bad.
Shot placement is everything! I would rather take a round of 50BMG to the foot than a 22short to the base of the skull.
all 23 of my guns are 45/70 govt 357 mag, 22 or 12 ga... I believe in keeping it simple