TT,
I am retired and I load a lot of ammo. This is for myself and my son (we try to shoot weekly). More than 95% is with bullets I cast myself.
I do not have a 9mm (the boy does) and the last ammo I bought was 22 LR probably some 10 - 15 years or so ago.
I do not remember ever buying loaded centerfire rifle or handgun ammo.
Feeding my 327, 357 mag, 357 Max, 7 Tcu, 30 Herrett, 300 BO, etc. without reloading would be much more expensive (where possible) than popping for a couple of boxes of 9mm.
I have not bought powder or primers since before Covid. I am getting lower than I like on SPP. My average cost per round using pre-pandemic supplies is around $0.06. Cost per round based on current prices for on-line purchase of consumables would be closer to $0.16. Average cost per round with reloaded primers will be under $0.03. My cost for setting up to reload primers will be less than the current cost for 2K primers.
I expect to continue to buy primers when either I "have to" or when I feel the price is right. The price is currently not even close to "right, and I do not "have to" yet. I want to put off the "have to" for a good while longer if possible.
The other piece of the puzzle, is that the raw chemicals are unlikely to get hard to acquire and even if I was worried, the cost for enough for 30K primers would not be a financial hardship. My current powder stockpile is still in good shape. If ammo and reloading supplies ever get harder to find than a year ago, I would be in good shape spend what I had for some more bulk smokeless powder. As previously noted, I make my own bullets.