TOC (total cost of ownership) is as applicable to a rifle purchase as it is to an automobile or major capital outlay on a large business.
That being said, you need to determine if shooting for you will be an occasional Saturday afternoon range trip or something you're "buying" into where a further outlay of monies will be the norm.
If it is the latter, then reloading is the way to go, no doubt about it. Right now, as was stated, reloading components are in just as short of supply as loaded ammunition. Those of us that have been through panics past were ready for it (or should have been) and so continue to enjoy the sport with little to know impact (at least not for me anyway). But supplies will once again become available (as will loaded ammo) and the reloading hobby will be easier to jump into than it is right now.
Good luck on what ever your decision might be. I hope you decided to keep your Model 10. I've a Model 10 FCP HS-Precision
and enjoy the heck out of it.