I do not "hoard" ammunition, I "amass" it.
Been doing so for years.
Most of the 30,000+ rounds of 9mm that I have was bought just two or three years ago at $5.50-$6.00 per box which works out to about $3600.00
Same for all the .45ACP (about 7,500 rounds of it) that I have. All totalled, it set me back about $1,600.00 give or take $20.00
Stop buying ammo if I've already got a hundred rounds of the caliber? Nonsense!
Worry about the "other guy" that failed to plan and therefore planned to fail? Horse Hockey!
When I find a good deal, I grab it, "need" it or not. In times as uncertain as these, it is best to get what you can when you can 'cause you may not get the chance again.