I don't remember the last time I bought factory ammo, and I go shooting at least weekly, weather permitting, and maybe more than once. I reload everything I shoot with the exception of shotgun ammo.
I hate to tell you this, but I can still reload .308 for 9 cents a round. That's because I bought surplus powder and bullets several years ago when they were really cheap. I use milsurp brass, Wolf primers, milsurp bullets and surplus powder. This doesn't make match ammo, but it's plenty accurate for the fun plinking I do. My eyes don't permit me to do match competition any longer, but I still like to put bullets into targets at 300 yards.
If you want to shoot when you want to, and not be dependent on your local dealer to have available the ammo you need, you definitely need to start reloading.