“Some people reload.”
That’s like saying art is easy because you can buy puzzles. Assembling the pieces is trivial; stamping & shaping shells is hard, making primers is hazardous, swaging projectiles (stuffing lead wire into copper tubes and squeezing to shape) isn’t hard but making them accurate & high-performance is, mixing propellant powders is an art, and that’s all assuming you can get the right metals & other specialty materials in forms you can work with.
We’re not talking black powder & lead balls here. “Reloading” amounts to final assembly; yeah it’s cheaper, but when SHTF you’ll wish it were all assembled already and not have time/resources to make more.
Some of what you say is true but I think you have the wrong impression.
If you have an minimum amount of ammo in mind, keep that amount but the components to reload it 5 times doesn’t take that much more space. I won’t say how many rounds I keep but sometimes I have to invite friends over to shoot to make room.
I pick up a few pounds of powder every time I go to a show, either something is on sale or there is something I haven’t used yet and want to try. Primers and bullets are cheaper when you buy them by the 10,000 lot. When you have the reloading bug, you tend to accumulate over time.
Like I said, some people reload.