But then you have it... and it is a one time cost.
I figure handloading costs 1/2 to 2/3's the cost of comparable factory ammo. Only you can get a more consistent product. Your mileage will vary, depending on the quality of your components.
I really like RCBS, and most of my equipment is RCBS, except for my Lee press. Another place to look is Kijiji and garage sales. I picked up a huge tub of reloading stuff for $50 about 5 years ago. Probably about $1000 if all bought new.