Jim Dandy,
I liked your basic premise and I think you picked a representative sample for each scenario.
I would suggest that the reloading equipment including the dies are your invested cost that needs to be "paid for" by the savings you might accrue by reloading cost per round versus the factory cost per round.
The reloading cost per round for me includes cartridge cases, powder, bullets, and primers. I divide the cartridge case cost by the number of times I reload them. After 15 reloads on one case, I find the necks don't hold a resize consistently and I replace them. I don't include my time.
The factory cost is just the cost of purchase. I totaled up cost of the rounds I was shooting for each caliber (I measure everything so I have great records).
Unfortunately, I started with higher end single stage loading set up including an RCBS Chargemaster dispenser scale, Trim Mate, Redding Boss II and caliper trimmer which are pretty high cost items and I didn't wait for sales.
I also bought dies for 7 rifle calibers and 5 pistol calibers.
The total was close to $ 1400. But I started loading for a .308 so the initial investment for that single caliber was about $1130 for the first caliber.
I had been shooting mostly match ammo with the .308 so the factory ammo that I had been shooting averaged $ 1.218 per shot. Over the last 2 years, I have averaged 0.457 per .308 reload, using purchased Remington, Winchester, Nosler and Lapua brass. I have been averaging 15 reloads per case before I replace the brass so even the most expensive Nosler brass costs only 0.055 per round.
It took me 1484 rounds to amortize the invested cost of equipment from the $0.761 savings per .308 reloaded round (Based on .308 dies alone). Since I was really into reloading when I started and tried to recover that cost as soon as I could, the initial cost was amortized in just under 4 months.
Over the last 28 months I have reloaded over 15,100 rounds.
The vast majority of them were for rifles so the average savings per round over the factory rounds that I was shooting for each caliber amounted to $0.714 for rifles. The total comparative savings to date, after taking out the cost of equipment and materials, comes to $8,992.
That really isn't a savings because I wouldn't have shot all those rounds if I had to pay almost $ 9000 more than I actually did, but I did get to shoot almost 3 times the number of rounds I would have shot if I paid for factory ammo.
Rifle ammo can be really expensive for some calibers with the .22-250 being the one I saved the most on. It is cheap to reload even with expensive bullets ($0.308 per reload) but I never could find any low cost factory ammo so I am saving $0.942 per load with that particular bullet.
On the other hand, the 7.62x39 factory rounds are really cheap so I only save about $0.095 per round reloading them. It almost isn't worth the effort, especially since my AK is a spray and pray rifle anyway and doesn't seem to notice the difference.
The pistol caliber savings averaged only about 0.525. Since I wasn't shooting the cheap stuff in my pistols, that is still a considerable savings per round, but I had been shooting the cheapest factory ammo available, the savings per round would have been a whole lot less. I would probably have taken lots of reloads to make up the cost of my equipment.
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