I keep two loaders going. One is used for trial rolls of film and the other always has Efke KB 25 in it. Right now I am working with Ilford FP4 Plus as my trial roll and I like it enough that I bought a few more rolls and put them on ice. If I keep the Ilford running I may have to go get a third bulk loader.
When I first started I used to load 36 or more frames, but occasionally had some trouble getting all of it loaded onto my cheapo developing reels. Now I usually load 20 to 24 frames and leave it at that. Obviously there is a little more waste but I really don't notice the difference that much.
I love the fact that I can choose to try a number of different types of quality film for a discount price. I try different types of film developing, different exposure methods, and even different printing papers. Doing that level of testing to decide whether you actually like a film takes me a lot more than 2 or 3 rolls. By the time I finish a 100 foot roll of film I have a pretty good idea whether I am going to want to try more.
As an example, I shoot a lot of older film cameras and a 1/1000 second shutter speed is fast. Most of the time I am working with 1/500 seconds or even slower. So when I tried Tri-X, a beautiful film by the way, I learned after a time that it was not the film for me. In the beginning I was shooting a lot of landscapes, a la Ansel Adams, but as my personal style developed I have learned that I really like working with fast glass, wide open. When I work like that even ISO 100 film can sometimes be too fast. One of the reasons I am liking FP4 Plus is because I can work with it from ISO 64 up through ISO 200 without having to bend over backwards to develop it. But it took me several rolls of Tri X from a bulk roll before I came to the conclusion that it was not as flexible as I wanted.
Right now I am doing a lot of work with Ilford Delta 3200 and Kodak P3200 and I really wish I could get either one of those emulsions bulk, it would almost certainly cut the cost. I could also roll shorter rolls. I find that I prefer 12 exposure rolls when using this film, and I have even re-loaded from a 36 exposure roll to get those lengths. Being able to get bulk rolls would make all this much easier.