Not funny, just risk vs benefit equation. I already have a bunch of metal cartridges bought 20 years ago from Freestyle but if starting out it is not so simple. As stated some of the new plastic cartridges are junk. And the metal ones I have have to be handled carefully as the ends have become looser. (Although they always had a tendency to pop off if dropped.) For my situation today, not shooting even 1/10 what I used to, just buying factory loads makes more sense. Certainly if the OP is shooting a lot of film and is careful of dust or other problems of reloading, then yes, every savings adds up. But you have to shoot quite a bit to amortize the cost of film and cartridges over time. Also, you are right about us old timers, we just loaded by hand sitting in the darkroom. Some loaders waste quite a bit of film in leaders. We were cheap old guys and squeezed out every frame, and with me that was half frame. I’m 71 now but up to perhaps 15 years ago all of my B&W film was from bulk. Didn’t even even consider factory loads unless I wanted to try out some new film.
Also it didn’t bother me to waste a few frames if I was in a hurry to see something I had just shot, I’d snip off the exposed frames in the darkroom, load them onto a reel and reload the rest of the cartridge.
Now days the only thing I load myself is 16mm Minolta cartridges and Minox cartridges. You can still buy preloaded Minox but they are very expensive and I can reload for a dollar a roll for 30 exposure rolls.