For my past reloading in recent years I never reloaded 9x19 or some of the common military rifle rounds like 7.62x39, 7.62x51, 5.56 nato. Because considering my time it was not worth it. I was planning to load 300 black out and standard hunting rounds since at $2-4 dollars a round it was worth it. 5.56 m193 natio is approaching 50 cents around and cheaper to buy it. But decent 300 blackout and also 308 of any kind is worth reloading. So is 30 US Car, and a lots of other ammunition. So it really depends on cost of components and time. I also have a lot brass and have already purchase powder and bullets and have some primers. For my lever center fire guns, that ammo is also very expensive not always easy to find.
for example 35 remington at midwayusa is not available and the old price was $2.25 to $4.70 around. When it becomes available all of those prices will go up.
But 30-30 from midway in one loading from remington is available at $1.40 a round. So if you just need a single box or two for hunting reloading is not needed. But still if you want several hundred for self defense then maybe reloading is viable.
.38 spl now days is expensive and reloading can cut the price a bit. say 56 cents to $2 a round.
For self defense pistol ammo I buy factory for a lot of reason or at least i did. I use to buy +P+ 9x19 federal from them for use in my glock and a full size smith and wesson sigma that can handle it. The issue is I do not like like to load hotly loaded max pressure ammo because I do not not have pressure testing equipment and uniform components to safely do so.