If you really bust your hump finding cheap materials, such as maybe even travelling to larger areas if local is too expensive, you can save some money. At this time I believe that my nine is costing 15-16 cents a round. It's hard to find good grade ammo for that price.
My options are buying questionable brands for abou 25 per round locally, paying 30+ per round for big three loads, or spend the time in my shop.
I agree that group buys are the best way to go. Hazmat and shipping costs about $3 per pound on a box of twelve. That's helpful if you have three people picking up powder. Missouri bullet ships flat rate, and they'll pack as many as you want in a box. You could split thousands of bullets with a friend.
The biggest complaint I have about online shopping is shipping costs. I have unlimited free shipping at Amazon. No matter what I buy, I look there first. I just bought new dies at about ten less than online, and no tax or shipping.