Well, I'm a handloader and that hobby is one that I find as much/more rewarding and enjoyable as shooting, so I've never felt "limited" but I do give thought to compiling different component bullet diameters, styles and weights.
But in the end, "maintaining" for me (or anyone?) can be as basic and simple as buying two boxes of factory ammo and only shooting them on occasion. It does not have to be some gargantuan black cloud hanging over your head.
I'll try to put this in a different way in hopes of getting my point across.
Today is Thursday. Today, I have what I have in my possession. It's all good.
If, on Friday, I go out and buy a Smith & Wesson .41 Mag revolver, what have I done? I've now got a new bore diameter, a new caliber, no brass, no bullets, no loaded ammo and nothing.
On Saturday, I can go buy two boxes of factory ammo and now I've got 100 rounds of .41 Mag and a S&W revolver.
If nothing happens in the next four days, how is next Thursday different than today? What is different is that there's one more revolver in the safe and 100 rounds of ammo in the stash.
I still have all that I had one week ago... there's just something else in there. No different than if I put a bag of marbles in my safe. I'd still have everything I had before, plus a bag of marbles.
If the power went out, the Cubans invaded, the govt collapsed and my neighbors covered their faces with war paint, I'd still have all my other guns and all the other ammo, along with powder, primers, bullets, brass and the tools to feed them. In addition to that, I'd have a S&W .41 Mag with two boxes of ammo.
How am I at any sort of disadvantage next week by adding another gun in another caliber? Really?
I've seen so many folks "simplify" their collections and I can't figure out the root cause of this. Doesn't bother me... it just puts more great guns on the used market for me to stumble in to. It's all good!