It's easy to overestimate the cost advantages of bulk roll film. Savings are modest, at best. One faulty cassette (the end cap pops off, for example) and there go the savings on that bulk roll. I roll my own HP5 and FP4 with good results in D76. I generally aim for 30 frames per cassette, which is the main reason for me to continue bulk rolling.
I bulk loaded (apart from using real rolls) for testing film before using it, with short rolls, for many years.
I agree with you.
I prefer real rolls as savings are small, and sometimes a relevant frame can be born scratched...
I've bulk loaded Tri-X, HP5+, FP4+, TMY and Kentmere400.
HP5+ makes the most sense IMO in 35mm.
TMY is a technical luxury I prefer when speed and little grain are wanted together, so I buy more TMY in 120 than in 35mm.
I stopped bulk loading: I photograph everyday, but I don't hit the shutter too much.
About developers, get Xtol if you want fine or no grain.
Or get Rodinal if you want grain but you don't need speed.
Microphen if you like speed and grain with classic films.
DDX/TMax for the same with modern films.