I like having the capability of loading 9mm. If availability of loaded ammunition goes down, or cost goes up, I can keep shooting, but I don’t load it regularly when cost/availability of loaded ammunition is such that it trumps the time/cost to load it myself.
Other calibers, I handload almost exclusively: hunting rifle ammunition, .38/.357. Cost savings is almost always significant to stupidly significant. Hunting rifle ammunition is a relatively low volume use, so I don’t have to spend significant time doing it while saving up to a couple of dollars for every round loaded.