Have a friend who reloads 2" 12, but I'd guess that most folks who buy those guns do not reload. Ammo is certainly pricey if you buy factory stuff--even compared to 16ga shells, which will set you back more than either 12's or 20's (unless you're REALLY lucky and find them on sale). 24ga . . . I recall Zutz writing about reloading for the 24, but you'd need to chase down both dies and components. One advantage of the 28 is that, while the initial cost of the ammo is higher, it's a very easy gauge to reload--and, given the fact you're not using much powder or shot, makes a whole lot of bottom-line sense.