I reload everything.
That statement used to include "...including rimfire, and excluding .38 Special." ...But I sold the .38 and stopped playing with tiny grenades at the reloading bench.
For the uncommon - or not commonly available - stuff, in particular:
7x57mm -- Ammo is available in this area, if I hunt for it and want to pay $2+ per round. Brass is unobtainable locally, and expensive even with internet orders. ...But it's still cheaper to reload than buy factory.
6x45mm -- It's no longer a wildcat. Ammunition is available. Brass is occasionally available. And a "standard" chamber has been established. ...But ammunition is quite expensive, and is never available locally. I've never fired a factory round.
.32 S&W / S&W Long / H&R -- Ammo is available, but quality ammo is stupidly expensive. It's easier to just reload.
7.62x54R -- Yea, you can pick up ammo anywhere, and get steel-cased stuff fairly cheaply. ...But that's not what I want. I want good quality loads with 'premium' bullets, in brass cases. Those loads are not commonly available. To get what I want, I'm also looking at a starting price of $60 per box ($3 per round). My favorite load uses a 215 gr Woodleigh Weldcore. The only ammunition even remotely comparable was made by A-Square, and retailed for $140 per box ($7 per round, in Norma brass). I used the word "was" there, because, if you are unaware, A-Square folded and the load is now completely unobtainable. But when it was available, I was loading that bullet in Lapua brass for $17 per box (expensive reloads!), which represented a "savings" of $123 per box; or $6.15 per round; or $2.05 per pull of the press handle. That's some serious coin left unspent for a single box of ammo.
But, on the flip side...
I shoot a lot of factory .30-30 for testing new/modified/reconfigured rifles. Quite often, I can pick up a box for $12 (maybe even with a $2-5 rebate, too). I can reload for less than that, but not by a substantial margin. Sometimes, I pay a little bit more just to be lazy.