The idea of planning to buy ammo during a panic seems.... incongruous... to me.
Better idea... get the gun you want and get enough ammo to get through a panic.
Even better, better idea. If you don't reload, START! and purchase enough supplies to get you comfortably through the next panic. These things last 6 months or so. Have 6 months of supplies.
Still happily answering to the call-sign Peetza.
The problem, as you so eloquently put it, is choice.
He is no fool who gives what he can not keep to gain what he can not lose.
-Jim Eliott, paraphrasing Philip Henry.