I decided I'm not going with reloads yet. The consensus here is that they are somewhat more reliable, but I should expect better. I'll be being extra careful to do everything exactly right and if I still have above-average failures I'll probably change brands or at least start making my own motor type Avoid list.
The main reason is that I have to travel somewhat far to go launches, and even take off work if they're on Saturday, so my time there is expensive. I've only participated in 2 organized launches so far and I find prepping my rockets enough "fiddly" stuff to do in field conditions, and stay busy launching, retrieving, watching, socializing, and occasionally chilling out. Maybe after I get more comfortable and organized it won't seem like a problem.
Costwise, I calculate up to 30-40% savings for AT reloads vs. SU midpower, but if something happens to a motor case those savings can be erased. In 2 launches, I've seen 2 rockets eaten and I think someone lost a motor case. So the question is not actually that obvious to answer, on cost alone. Plus I will be needing a mix of 24 mm and 29 mm motors. Etc...