I reload to get the light loads I want for the older guns.
I find it a nice way to spend some time. Others may not.
9/16oz 12ga loads are tough to buy off the shelf.

The real savings are in the 410 I load. I don't load 28 but I imagine that's the same deal as factory ammo's probably crazy high.
But I continue to load 12. Lot's of components, I'm not picky and do admit to interchanging them on a low pressure load, especially primers & hulls.
Still no Ka-Booms after 50yrs of reloading shotgun, rifle & pistol.
If I save a buck a box,,that's OK. I'm still not too proud that I'd pass up a dollar bill lying on the ground and not pick it up.