I load for 7 calibers, mostly rifles but also.357 and 38-40. I do save on the cost of ammo, but not on the cost to set up; I figure it costs roughly $100 to set up for a new caliber and that is a consideration when buying a new gun. Recently, I bought a Star BM 9mm, and the $100 I'd had to spend on setting up for reloading 9mm bought 5 boxes of plinking ammo. As long as it's that cheap, I'll continue to buy it vs. load it. In the case of my 38-40, factory "cowboy " loads are $90/ box. I can load them for about $25/ box. So it's trade off, honestly. Buy supplies or loaded ammo, both are costly so pay your penny and take your chances.
Mac