I can afford to shoot factory ammo. Problem is, I don't like most of it that is out there. Most .38 Special, .380 Auto, and .32 Auto ammo is watered down due to all the old and/or cheap guns floating around not to mention it is laughably overpriced. Almost all reasonably priced 9mm ammo comes with a 115 grain FMJ going a little too fast for my taste, I shoot the 9mm best at around 1020 fps. .30 WCF is more of the same. This cartridge really shines with a big flat nose lead bullet at around 2000 fps, but most loadings have a hard recoiling (relative to size) 150 or 170 grain jacketed bullet that just is not necessary for the cartridge and it's usual purpose.
It is cheaper and more satisfying to pour my own lead bullets and load my own ammo. I do alot more experimenting and fine tuning than is really necessary. I could reload all I need for practice, hunting, and self defense in not much time at all. Here are some of my favorite loads, none of which are available from the factory unless you are willing to drop $$ on specialty makers such as Buffalo Bore. They are all accurate, safe and dependable in my guns.
.32 Auto/Kel-Tec P32: .313 76 grain lead flat point, 2.3 grains Hodgdon Titegroup, Federal primer= 850 fps
.380 Auto/Glock 42: .356 100 grain lead round nose, 3.0 grains Bullseye, Federal primer= 975 fps
.38 Special/S&W 637: .357 146 grain LSWC, 3.5 grains Bullseye, Federal primer= 780 fps
.38 Special/S&W 10-5: .357 150 grain LSWC, 5.8 grains Accurate no. 5, R-P primer= 875 fps
9mm/Glock 26: .356 124 grain plated flat point, 3.8 grains Hodgdon Titegroup, W-W primer= 1005 fps
9mm/Glock 19: .356 129 grain lead flat point, 3.8 grains Hodgdon HP-38, W-W primer= 1054 fps
.30 WCF/Marlin 336 Texan: .310 150 grain gas check lead flat point, 28 grains IMR 4895, R-P primer= haven't chrono'd it yet but accuracy is superb. Easy to shoot, too.