Wow, I just did a search on Midway and Cabela's and did not know it was that bad.
Reloading is an option but getting supplies right now is tough. Also, reloading is not for everyone. If you are unsure you might pick up a reloading manual and read it to see if it's something you'd do enough to make it worth the cost. Be aware though if the reloading bug bites you, you're hooked for life