If you're loading strictly to save money, then I can see this being a valid argument. For most though, loading is a hobby within itself. I don't calculate my time when I go play golf, or fish, so why would I with a different hobby?
That attorney who bills at $250/hr, doesn't calculate his time when he's on the golf course or at home sipping scotch and smoking a cigar. Though he prolly does bill time on the golf course from time to time.
As far as saving money, I sure haven't. I pay less per round, no doubt, but I spend 3x what I used to. Sounds like our situations may be a little different though.