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Separate from our hoarded ammo.... I usually have 6-12 months of match ammo on hand to plan ahead and usually buy in bulk of 500-1000 rds at a time minimum. I'll still pick up the occasional FMJ boxes when I'm out an about though just for random range ammo... Wife started shooting matches a few months back now too so it has been a challenge to not feel like I'm behind in stock now. Lowest we got was about 2.5 months of match ammo with us both shooting. I never overpaid for any bought ammo though. The most expensive was ~$0.24 a round which was during pandemic which is higher than pre but not horrible. Ammo is still available at near reasonable prices if you are willing to put in effort finding it; it does take persistence though.

I had to start reloading though with 2 of us shooting and my daughter planning to bump up to 9mm from 22 matches before too long. She is going to have to wait till supply settles though. Just started reloading and even during pandemic I have found enough components for ~7k "match" rounds as of last count. So plenty to last 7-8 months if we are conservative. I didn't overpay there either. Paid normal big box store prices so not the cheapest but not gouge prices either.

Lastly we don't shoot our conservation/hoarded ammo. It doesn't get touched unless something serious is happening. So the only struggle is match ammo which is a luxury vs a necessity. If the match ammo runs out then we stop going.