Everybody probably has their own requirements on why they reload. I've been doing it for over 20 years and the reason I got into it was when my son got old enough to have a wide variety of weapons. The costs of purchasing ammo if you shoot 3-4 times a month became prohibitive. So we bought a press and learned how to do it. There is a bunch of up front money to get into this hobby, but what I have found the equipment rarely depreciates. I bought a Dillon 550b for $225 w/one caliber conversion (conversions at that time were $20 + dies @ $40). The price of this machine today is just under $400. This press has reloaded just about every caliber and has loaded at least 250k rounds. Its been rebuilt by Dillon 3 times (oh at no charge - Life time no BS warranty), looks like new and I could sell it today for at least $350 (gee I think I made a profit - that doesn't happen very often).
Has it paid for itself - I think so. We reload 9mm, 40 S&W, 44 Magnum, 45ACP, .223 .308 & 30-06. For me to reload .223 with military pull down powder and FMJ projectiles, I average about $.19 per round. Today its hard to find any kind of .223 for less than $.40 per round. Now I'm using my own brass (long ago we bought factory loads, shot them, saved the brass and have been reloading with them since). You have to call me a brass whore ! If your shooting next to me and your not going to take the brass, I'll ask you for it.
And then sometimes there is need ! We shoot a lot of 30-06 tracers thru our browning MG's at night. You can't buy 30-06 tracer rounds today. Nobody's manufacturing it, once in a while somebody that has stocked it up is selling some, but thats about it. I stocked up over the years on tracer projectiles and now can reload for about $.23 per round.
If you plan on owning and shooting weapons for longer than 10 years, then reloading can be a cost saving. If you desire high precision rounds that match you weapon, you can only get it via reloading.
There is only one downside, I can remember loading 44mag's for a number of years. They were costing me around $.10 per round. I happened to price a box of 20 Remington 44mag at the gun store. It was $18 for a box of 20. I said wow I can go shoot at least 8 times as much and it won't cost me as much as the factory loads. So you end up shooting more and having more fun.
