I put factory, but you did not really have the best choice for me. I use factory reloads. That is, I use a great local company Load-X (http://www.loadxammo.com/retailcat.html). They have their own factory loads, but you can also buy their reloaded ammo in bulk. It is the least expensive option for quality ammo in my neck of the woods. They go to gun shows and ship, so check it out some time.
I shoot around 1000 centerfires round a month .. I couldn't afford to shoot factory
ammo.. Plus I custom taylor all my loads to what I need ... Target , hunting , defence ,
and plunking loads . You can't buy that and my ammo is higher quality the factory
Almost all reloads with lead bullets except last fall before the big jump in prices, I did buy a bit of 9MM and quite a bit of .45 ACP green box UMC on sale at Dicks.
Even carried it at times in my .45s.
Right now it's cheap factory rounds. In about a month or so, I will be set up for reloading. At that point, I think I will go with jacketed bullets (ease of clean-up). I also want to replicate a less costly practice range rounds, which are close to my carry ammo in accuracy, but with less recoil. My PD carry rounds will stay factory - due to legal ramifications.
For me it's factory loads only. From a monetary perspective, I come out way ahead working a couple of extra hours of overtime vs spending the same amount of time reloading to save money (when I retire in a few years, it will be a different story)