With all due respect, that not quite the same thing as your original statement. I understand what you're saying
now but the way your statement came across was that Cabelas was selling reloads as new ammo.
That your wife doesn't know the difference is not Cabelas' fault. I'm not sure mine does, either.
FWIW, UltraMax is one of the better commercial reloading companies. My only gripe with them is they are almost as expensive as "fresh" ammo, as you have noted. It's not just Cabelas' pricing, though. Every store I have seen it in has it for essentially the same, too-high, price.
As for returning a gun to the factory, I have never worried about defending what I put into my guns. I have put far, far more of my handloads through my guns than I have ever put "fresh" ammo through them. I have had issues with two guns over the years that necessitated a return for repairs and the issue of what I shot through them never came up.
The "prohibition" against handloads/reloads is a CYA issue for the manufacturer, nothing more.