RE: Factory or Reload or Ammo
If one does a lot of shooting, whether it be rifle or handgun calibers, you will save money reloading your own ammo. The key here is to shoot a lot, that is where the savings part comes in. If you only hunt and fire a box of cartridges to sight in and that's it, then reloading is not for you. If you really enjoy shooting and fire thousands of rounds a year like I do, then reloading is something you should consider.
Thousands of rounds a year? I know some will scratch their head and wonder so I'll explain. I do a lot of pistol shooting, 9mm, .40 S&W, .45ACP, etc. Shooting a lot with a pistol is easy and doesn't beat up the body as much as high power rifle shooting. I have a 7mm Mag. that I might put about 100 rounds through a year and that's it.