Quite honestly, I know very little about factory ammo. I haven't bought any for so long that I couldn't make any recommendations, I couldn't shoot as much as I do without reloading, and sure couldn't tailor my loads to what I think would do the best job without reloading. Knowing that you don't reload, I would suggest to you to consider diving in. You can get started with a low amount of investment if you start with buying a used press and dies and basic tools, and the money you save will more than pay for the amount you invest.