Saving money was not something I considered at all. I guess for me, at first, it was simply the fascination of being able to "put it all together myself." In a way, I am glad that all of the game animals I had killed prior to loading were taken with a bow.
I've killed only ONE animal using factory ammo in 20+ years of loading. All of the others were with my loads. There is also something very satisfying about that. I'm truly guessing but I'd say 80% were with ballistic tips. When I first saw them I thought they were cool and they had a great reputation for accuracy. (no one ever told me that some blew up). And to date, I've still never had that happen.
My brother also bowhunted long before using a rifle. He's never taken any game with factory ammo, just the stuff I made.
Accuracy was what I was striving for. When I was told that I could custom load a round for an individual rifle using components that were of my choosing, I jumped all over it.
The proof was realized when I took a plain old factory Ruger MK II in 270 to the range with my first handloads using 140 Ballistic tips, IMR4350, WW brass, and WLR primers. I had no mentor to teach me much, but I did work in a firearms store in Tucson long enough to learn from their own custom reloading dept guys. I knew nothing of the ladder method, or changing seating depths at that time. I simply seated the bullet to whatever the load book said.
Loaded up 4 rounds each charge beginning at minimum and going to max. Found out that 1/2 grain under max was what my rifle liked and it shot 4 bullets in 3/4". Retested it and it was even less. 3rd test and they were about an inch. I kept working with it and they never grouped over an inch at 100 yards.
I killed a LOT of southern deer with that load for years. (you can kill a deer a day in Alabama and they had "doe days" after Christmas). Same with the 7mag and 140 Btips.