[Por_sha911]

On ocassion, I agree with Jeff. Mark the calendar-today is one of those days.

I did the research and then asked my local Armorer (who does a lot of custom work and reloads for personal use only) a zillion questions. What I found:
-Reloading really pays for itself when shooting 45 Colt and larger calibers. It is decent if you also shoot a lot of 45 ACP. If you shoot in high volume (like in competition), 9 mm can also help keep costs down.
-Reloaders like to have their own secret formula for powder and bullets. They can customize their hot loads.
-Used equipment shows up a lot (like used exercise equipment) but you need the proper die set for each caliber you will be loading.
-As others have said, equipment is cheap but powder and especially primers are in the obtainium range (although starting to come down a little latey.
-As Jeff said,casting your own bullet is great for oddball sizes but lead is no longer "free". Along those lines, keep in mind casting with lead means breathing lead fumes unless you invest in a high quality respirator. Used brass is free if you police your brass at the range.
***You must have a dedicated work bench in a climate controlled environment. Humidity and temperature will seriously affect the power. (I just don't have the space-just ask my wife).
-You need to really do your homework to learn the craft. Your safety (and even possibly your life) may depend on the quality of the work you do.
***It takes a lot of time (especially when you are first starting out) if you are using a single stage press). Most starter kits are single state and take longer. This is not something you want to do while watching the game on TV. Squibs and overly hot loads are bad for your health.

I really wanted to do reloading but just don't have the time (until I retire) and then I still have a problem with finding a place for a dedicated workbench. Those things make it a no-go for me.

If you still want to get into it, I suggest buying Lyman Reloading Manual (some folks prefer Speer or Hornady) and start learning. After reading, make friends with a successful reloader and ask questions.