reloading for me if fun couse i like to tinker.if you shoot alot at the range or in the feild, reloading will save you alot of money as compaired to if you had to buy factory loads every time out.now the set up cost for reloading will set you back some but again if you shoot alot it will pay for it self in no time.i,m not sure of the ratio between factory and hand loads but it would be somthing like,$1.00 for factory versus 20 cents for reload per shell.thats just a wild guess,never realy sat down i figured out what a hand load cost per shell.i do it for the fun and the increased accuracy.