But I am retired, so it is payment enough just to have "quiet time" from the wife.Then there's the time factor. "Paying" oneself the difference of that saved via reloading, vs buying manufactured.
Saved $370 by reloading, "pay" yourself such over however long it takes to reload such.
Then there's the equipment factor as well.
However, that is amortized rather quickly given today's market.
Regardless, can still enjoy the shooting sports as one wishes.