Powder is $.05
Primer is .03
Cheapest 44 grain bullet .16
cost $.24
Federal ammo at Walmart in New Hampshire is 34.7 per round, or 10.7 net cost for the brass.
I actually plink with the Walmart ammo and reload it with better quality 69 grain bullets at a higher cost, I do not see the profit in reloading cheap bullets. Net net if you can get cheap plinking ammo use it if it is unavailable make your own.