For me, it has more to do with tailoring the loads to shoot what my gun likes best (most accurate, tightest groups).
For many of my loads, I use Barnes Solid Copper X bullets which are NOT CHEAP. However, with that being said, yes, I do save on each round I load, however, not as much as if I were to buy, say boxes of 500 or 1,000 Speer Lead Semi-Wad Cutters (SWC) for, say, a 38 Special, a .380 Auto, or any cast bullet (pill) for any gun.
I do load some cheap bullets that shoot very well, of course for those I am saving the most money. Those I don't mind plinking with and burning them up. The Barnes bullets I load are only for special shots (deer hunting, black bear hunting, etc).
You see, the MORE you shoot, the MORE you save. That is why I stated that my "PREMIUM" handloads (using Barnes X Bullets) are not saving me that much money, reason being, I do not shoot them very often, they are not the cartridges I take for several hours of shooting with a friend. Yes, I may shoot several rounds of the "PREMIUM" handloads just to confirm they are hitting zero at 200 yards, however, beyond verification of pinpoint accuracy, I have no desire to burn up my "PREMIUM" reloads! I purchased 1,000 Armscor 55g .223 FMJ bullets from Midway a couple of years ago and loaded all of them over the course of several months. I don't mind taking my AR out and letting my friend or a relative shoot the gun with those cartridges, as I realize they are inexpensive, in other words, they are "Plinking Material."
I wouldn't even think of loading up a 30 round magazine of my Barnes X bullets and shoot away 30 rounds for plinking. That would be like sitting here at my desk and burning up $10 bills -- not something I am about to do. Period.
I agree with others, if you have intelligence that leans toward mechanical reasoning and you are able to figure out how things work, reloading may be just the sport for you. I don't look at reloading as any kind of chore or job. I look at reloading as quality time to be with myself and not be disturbed by anything. If my wife is out of town, it may be something I decide to do on a day when there is not much else to do (like it is pouring rain out, or it is 20 below zero out, like it is snowing really hard out). I can sit in the warmth of my basement and reload.
I find that the time spent at the reloading bench doesn't even seem like time. It is as if time is standing still as I am all-consumed by the process, making sure I have everything just so and making sure I am not forgetting something. I have a complete system down, where it would make it difficult for me to "accidentally" use a wrong powder, accidentally load too much powder or too little powder, accidentally trim too much off the case mouth, etc.
In time, you will learn to devise a system of checks and balances to be sure what you are doing during every single phase of the process is proper and is done well. For myself, I have to have total quiet, be in absolutely NO HURRY WHATSOEVER and be organized at my bench (even though the rest of my workbench looks like a yard sale).