I used to reload .38 spl., 9mm, .45 ACP, .223, and .357 magnums back in the early to mid 90's until I became a single parent and couldn't afford the materials or leave my equipment set-up with 2 preschoolers running around.
Now, I shoot factory ammo only, but I do miss the reloading as my kids have gotten older and less inquisitive.
I used to reload virtually all my ammunition, but I now shoot mostly 9mm and .22 LR., for which the cost of factory ammo is quite low, at least for the informal target/plinking loads. Besides, I'm getting old and rather spend my time at the range and not at the loading bench.
I shoot mainly reloads -- average around 1K/month. I don't load 9mm, it is so cheap and my time is better spent. Ditto 5.56 and .45 ACP. All three of these, fortunately, I have found ammo that functions reliably and with great accuracy in my weapons. So there is no advantage to handloading there. For the rest, handloading, you bet! I never enjoyed shooting so much as when I started "rolling my own." For the .41 mag, it's about the only way to go, ammo is scarce and pricey.
I use reloads for practice, with a few carry rounds to make sure they function. I reload while the classical music is playing in the background. Around here I save, maybe, 1 to 2 cents a round. Not much, but I do enjoy reloading and it does keep me off the streets.
15 to 30 years ago my mix was about 95% handloads vs 5% factory but I got too busy to reload in large quantities and the proportions flipped for the weapons I shoot the most (.45, 9mm and .223). For hunting it is still handloads but there are not nearly as many of those as I would like :-[
Fortunately my business is a gun business and ammo is an expense at least.
Most start reloading to save money so they can shoot more. You shoot more so you have to buy more stuffto make more bullets, then you get to shoot more and buy more stuff to make bullets so you can so more....it never ends..
I've got two kids in college so the only way to afford my habit is to reload everything as cheaply as possible, including 9mm. I shoot about 8-10K per year, not including 10K or so of .22 pistol for extra cheap shooting. Fortunately I'm able to shoot twice a week, I take a long lunch on Thursdays and head out to the range for an hour or so, then back on Sundays for more quality time.