There are a couple of ways to look at this question that comes up frequently, maybe several times a month.
If you have to ask yourself or others if it's worth it to "reload" a particular cartridge, it's not, simply because of the misery involved in doing so. I can't see how any potential cost saving would obviate the unpleasant work.

"Handloading", however, is a hobby in itself. One can make ammo considerably more accurate than factory ammunition, but it takes load development (experimentation), something that requires both a curious mind and time.

It's understandable that some people don't have the time or the interest in load development. Nothing wrong with that.

If you're not going to enjoy the advantages of handloading, then it seems there is little point in reloading, unless you just want ammo that always fires with little or no concern for accuracy. That's easy to do as long as you have read a loading manual (as opposed to a YouTube video) and are aware of safety practices. There may also be some money saving in there somewhere.

The AR15 people probably ask the "reloading or not" question more frequently than others, and it's far from a stupid question. It's certainly a legitimate one.