I’m thinking about buying some for my bulk loader, but don’t want to be locked in to 100 ISO for every roll...
Not quite an answer to the question you asked, but what about just buying a second bulk loader? That way you can have one loaded towh Tmax 100 and the other loaded with Tmax 400.
There are always some listed on ebay. The most common ones are probably the Watson 100. A similar one of somewhat higher quality is the Alden 74.
I prefer the Lloyd type (under various brand names). Some people object to the design of the Lloyd type because it uses a felt light trap whereas the others use a contact-less light trap. The felt traps can scratch the film if the felt gets dirty. Pulling some sticky tape through the light trap can clean the felt if it gets dirty. I think the Lloyd units are the easiest to use and waste less film than the others. The other Supposed disadvantage of the Lloyd is that it doesn't have a frame counter. You have to count the number of turns of the crank to load the desired number of shots in a cartridge. To me that's not big deal because I learned to count at least as early as a year ago.
You can also minimize the wasted film with the other designs if you learn to do some of the operations in the dark.
Other designs: Watson 66B (better than model 100 in my opinion), Telesar, AP, LPL, Prinz, and perhaps a few others. There's a lot o name badge engineering that goes on with bulk loaders, so some of the ones under different brand names are actually identical to units under different brand names.
From the discussion above it almost sounds like there is a big difference between the types. There are some differences in operation between some of the units, but actually they all work pretty well if used properly.
Here's a trick that you may already know about If you don't want to buy reloadable cartridges, but if not, here goes anyway: If you can find once-shot cartridges (e.g. ones that have been used for C-41), just tape onto the end of the film stub of an old cartridge. These days its getting harder to find sources for the once-shot cartridges, but if there is still a company processing consumer film in the neighborhood you might be able to pick up a supply. I think this method is probably a little easier than popping open the reloadable cassettes and making sure they are closed properly. There is the issue of DX coding to consider, if you want to worry about that. There are some ways around that issue, or just don't worry about it and remember to set the ISO manually on the camera whenever you load the camera.