I am horrible with math, so take this with a grain of salt. Using the numbers in the OP, and rounding:
24 exp. is ~ 17 cents per frame
36 exp. is ~ 12 cents per frame
From a strict cost-effective point of view:
Using the per-frame cost of the 36 exp. roll, there is difference of about 40 cents per roll, while the added value in the 36 exp. roll is about $1.44. So, if you merely stopped at 24 on a 36 exp. roll, you technically lose about $1.04 on that roll. The break-even point would be about 33 exposures.
Using the per-frame cost of the 24 exp. roll, 27 exposures would be close to the cost of the 36 exp. roll. So if you find you have to reload and shoot 36 total, you lose more money.
The savings would seem to be relative to whether you typically shoot a little more than 24 or a little less than 36. You stated, though that you typically shoot 24, so this is all academic. (Also, check my math.)
However, with the 36 exp. roll you have the ability to shoot more at a lower cost if you need to, and that flexibility may be worth something. I personally don't mind waiting a week or so to finish a roll, but not everyone feels the same.
I vote for the bulk roll.