Jay,
I am very new to reloading as well... I've been at it for only a few months (I also reload .40). Like you, I was initially drawn to it due to the potential cost savings. I only started shooting regularly again last summer, and based on my current rate I would be surprised if I shot more than about 3000 rounds this year. Still, I decided to invest about $1000 in Dillon equipment and the other accessories needed for a couple of reasons: (1) good quality equipment holds its value extremely well. At a rate of a couple of thousand rounds a year, it is going to take you several years just to break even. But, considering that you could easily get 70-80% of your original investment back if you decide to sell the equipment, you will actually be "even" in the first year. (2) Reloading is fun! I live about 45 minutes from my range in Colorado. Between the lack of time and the weather, there are plenty of weekends during the year where I'm not able to go shooting. The time spent tinkering with the equipment, trying out new builds, and basically just playing around with a different aspect of our hobby really makes it worth the investment. If you have the means, I would definitely recommend jumping in to reloading. You will probably find it is worth it due to aspects that you never considered...