How about factoring in times like now when you don't see much in the way of loaded ammo on the shelves. If you are stocked on components, you are still in business.
Then there is ammo that you'll not normally find like 115 gr. 32 H&R loads, bunny fart loads, or buck and ball loads.
To top it off, how about stuff like 500 S&W, 475 Linbaugh, et. al. which normally run $4 - $5 a round?
Reloading can be much more than cost effective.
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