Both, just depends what I'm doing. I have my 750 set up for 9 but still buy factory stuff if priced right (like someone above said, my cutoff used to be $10 but it's gone up a bit due to everything going on). I like having a reasonable stash of factory stuff around regardless of reloading capabilities and supplies. I also generally prefer to test out new guns with factory stuff and let friends shoot factory stuff instead of my reloads if I am supplying the ammo. I have no rational explanation to any of that...it's just what I do.
Sounds completely rational to me!