I do shoot quite a bit. Once I got a Dillon, shooting a small amount just wasn't an issue anymore. I plan to shoot about 3K through my AR this year, and roughly the same through the NM M1A once I get a load nailed down for my new NM AR. I'll probably shgoot 2-3K through the FAL, but I WILL use surplus for that, as surplus ammo is cheaper than my reloading for .308, and the FAL jsut doesn't respond to ammo tweaking like precision rifles do. I also shoot about 4K through my 1911 each year, and another 2-3K goes through my wife's 1911. I haven't started reloading for my .22-250 yet, as I just don't have the time to shoot it.
The reason I choose not to shoot surplus through my AR is that it's my competition rifle, and HP rifles, with their fast twist rate, go through barrels very fast. I'd much rather make every shot count and not "plink" with my AR.
If you do not care about the accuracy as much as the "bang," the reloading does NOT make sense...just buy surplus and enjoy, However, if the accuracy is important, then you just about have to reload in order to get a decent amout of practice in. I concurr with buying fully processed USGI brass...I'm getting very good uniformity out of it for .223 Rem. I also use surplus Mil powder...in this case, IMR 4895. So far my loads are shooting at 1.5" at 200 yds, but I'm not really done testing yet. I may find an even better load.
Oh yeah, my cost breakdown? I get dealer price from Midway, so my 69 gr. HPBT comes out pretty good, however, if you're Joe Blow and you don't use 69 gr. HPBT, then you'll beat that price with your standard 55gr. HP without the dealer price. My powder, from hi-tech ammo is $68 per 8 lb. keg (including shipping) and is very accurate in my rifles so far. Brass is $42 per 1K fully processed, including shipping, from Scharch's, and I get primers for $15 per 1K at the local gun show.