If I can find factory ammo that has the components I want and shoots, I use factory ammo. My Nosler M48 35 Whelen is a case in point. Shoots factory Federal 225g TBBC better than MOA. I’m unlikely to improve that. But my CZ 550 FS doesn’t shoot anything Factory particularly well, so it’s 140g Swift Aframes loaded to 2.5350 CBTO over 44.5 grains of IMR 4831 at 2650. Same with everything else I own. If factory works well, so be it. If not, handload!
When i was in melbourne the other day getting some cheap factory to run in my 9.3x62 I noticed that 250gn ttsx were $150 for a box of 20!I shoot nothing but reloads and have for most part of the last 40 years. But when I purchase a new rifle I'll pick up a couple of boxes of factory stuff.
For those that don't reload and are on a budget you can really cut the cost down by doing it yourself. My .340 Weatherby loves Barnes 225gr TTSX bullets but factory round come to around $10+ a shot or $120 for a box of 20 I can load the same load with the same bullet for under $2 a shot. Simple economics, plus I get the satisfaction knowing that I loaded the round myself that took out the animal that I was shooting at.
I might be a little off on the factory price but I do know that a box of 20 is on the + side of $110