Powder (pistol/rifle), primers (pistol/rifle), bullets (fmj plinking). I've never bought from a local shop because the mark-up is too high. $22-$28 for 1lb of powder, $34-37 for 1k primers, and $17.99 per 100 bullets of 115gn fmj for my 9mm...
For $20 I can buy 100 rounds of 9mm live factory ammo in brass cases. There was no discount at this store for buying in larger quantities. If you reload to save money, you just can't do it that way.
Please post a link to the store where you paid $20 for 100 rounds of 9mm.
I can load 124gr XTP rounds for less than $20/100, plus I get the added benefit of a hobby I truly enjoy. I buy powder in bulk so it's no more than about $18/lb and I'm paying ~$30 for 1K primers. The 124gr XTP bullets run about $17/100, but if you buy the Hornady 124gr FMJ in bulk, you can get them for ~$12.40/100.
I will freely admit that 9mm is THE hardest round to save money on while reloading, but it is still possible to save roughly 40% over factory ammo, particularly when you are comparing apples to apples!
If you don't care to reload, that's cool with me, but don't try to say it's not going to save you money or let you shoot more for the same $$. Those of us who DO reload, know better.