I buy factory ammo for my 9mm's, 38 special, 40 S&W(buying one right now), 45 Auto, and 223 Remington. It is hard to beat the factory stuff in these cartridges. And as said above if you sell the brass when you are done, then the price is comparable.
yep, reloading 9mm has never been cost effective for me, I reload .45 with my own cast bullets which is hte only thing that makes it cost effective. I usually cound on losing 1/4 to 1/3 of my brass every firing as most of my pistol shooting is on grass IPSC courses of fire.