If you're looking at saving $$,at 300rds/year,keep buying factory ammo(little trick here;you can sell the once fired brass to some friends that'll bring the cost down).
If you are the kind of guy who likes to get the most out of your tools,reload.
The thing is if you don't like to reload but are doing it just to save $$,don't ;because since you don't like it,you won't load quality ammo and get frustrated doing it.
Reloading,like casting is something you must like,thus feel like you are doing something more than the factory is able to deliver to you in a box of purchased ammo.
Have fun doing it or don't do it.