I have enough components to keep me shoot rifles or pistols for several years. I haven't loaded shot shells in years but I'm considering stocking up on shot and powder, maybe another 1k primers.
Hoarding is hard to define, at least to me. If I had 10k rifle primers, bullets and 30# of powder for one caliber. I'd be a hoarder, because I wouldn't shoot that much in the rest of my life. Now there are guys who'll shoot that much in 3-5 years so keeping that amount of components isn't hoarding, IMHO.
As far as a guy that doesn't reload but buys a new rifle and 500-1000 rounds of ammo for that rifle, not hoarding in my mind. Over the years I've had three or four turkey (shotguns) guns, once I've found the ammo that shot best in them I've bought enough to last me several years. The way the ammo market evolves it's smart, I think.
I have one rifle that I don't reload for, in fact I don't shoot it much anymore, a few times ever four or five years. I've had it for over 45 years and used to shoot it a lot. I have a ton of once fired brass for it, primers and powder that'll work, I'm seriously considering buying dies and bullets for it. Yep, I'll be a hoarder on this one. LOL