I buy my practice ammo at Walmart. Even though their prices have gone up recently they still beat the prices that I can find online. Academy Sports also has good prices (at times better than Walmart) but the closest one to me is about 40 miles. If their prices go up then I will be shopping the net.
For defensive ammo I just purchase that at my local gun shop. I don't go through enough of that to make a difference. I just fire enough to make sure that it feeds correctly and is accurate enough for defense.
Now, I'm looking into reloading. The best prices (Walmart and online) are just going up with no apparent end in site. I like to shoot too much to keep paying these prices so reloading seems to be a good option. I don't have any intention of reloading my defensive ammo though. I'll leave that to the manufacturers.