I would reload if ammo components were actually common enough. As it is, I don’t come across the need before dying (or, more likely, restarting when a new version hits.)
I usually switch calibers a lot, saving heavier ordinance until I’m a better shot and using .22 pistols or something to train. If I run out, I switch to another ammo type. That’s as far as I’ll admit the usefulness of having 8000 different types of bullet.