Jay, about reloading.
Components such as primers, cases, and bullets are rather easy to find currently, it's powder that is sometimes an issue. However, if you hit the gun shows, put your name in at local shops, and keep an eye out on suppliers like Powder Valley, Wideners, Natchez, 3rd Generation shooters supply, Graf's, and others you will eventually find enough powder to keep well stocked. Point is, it takes a bit of work but you can maintain reloading supply stocks.
Cost, for a very basic setup you can start reloading with an investment of about 300 bucks. A great press such as the RCBS Rock Chucker can be purchased for around 160 dollars and sometimes you can find it on sale for as little as 120 dollars. Some Lee presses sell for under 100 dollars. A good beam scale such as the RCBS 502 will set you back about 80-90 bucks. The RCBS universal hand primer is currently on sale for 59.99. Then there is the Lee Perfect Powder measure, which is sensitive about what powders it works well with but only costs about 30 bucks.
As for component costs. Starline 38 special cases run 130 dollars from Starline and will last for at least 30 or 40 reloading cycles. Plated 125 grain 38 special bullets cost about 80 dollars per 1000 from Extreme bullets and the shipping is free. CCI Primers are currently on sale at Cabela's for 29.99 per 1000 and last time I picked some up at a gun show 1000 Large Pistol primers cost me 35 dollars. BTW, I'm picky about my primers and only use CCI. Figure on an average cost of 35 dollars for primers. Powder can seem expensive but with 7000 grains in a pound even a 30 dollar per pound powder can result in a low cost load. My favorite powder for 38 special is Vihtavouri 3N37 and I use a 6.7 grain charge for each load. If you do the math you'll find that it costs me about 8 dollars to reload a box of 50 38 specials assuming a 40 cycle life on cases. Compare that to the cost of commercial 38 special, which typically runs well over 20 dollars a box.
BTW, reloading can be addictive so it can get expensive in some respects. It will be 2 or 3 years before there won't be some bit of hardware you have on your want list. Currently I'm picking up additional Seat/Crimp dies to avoid having to do changeovers. You'll also find purchasing bullets can seem like a never ending expense. The good news is that I no longer feel that shooting 300 rounds a week is splurging, in my actual costs that is only about 50 dollars.