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While .380 is fine for self defense I find the cost of ammo to be higher than that of the 9 mm.
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I did the math awhile back- if you shoot two boxes of factory ammo a month, choosing .380 over 9mm will cost you more than the price of the pistol in a suprisingly short time ...... $10/month may not sound like a whole lot, but that's 120/year...... 10 years would buy you a pretty nice gun.
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Regards to reloading, that is something I do not plan to do right away, but on down the road. As mentioned by Mississippi Dave, I want to learn to shoot well as my main priority first.
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Shooting well takes practice. Practice takes ammo. Reloading gives you 2x the ammo/$ spent. Reloading = Better Shooting.