I've been reloading since 1973, have never had any accidents. Reloading is a single minded task, do not do it if your mind is not on the task. Any interruption can lead to a problem. When I reload my family knows to leave me alone (only interrupt if the house is burning or my granddaughter wants to talk to Grampy
.
Over the years I have reloaded, .38 spl, .357 Mag, .44 spl, .44 mag, 9mm, .45 acp, 30-30, 7-30 Waters, 7mm Mag, 30.06, .270Win, .280 Rem, .223/5.56mm, .204 Ruger, 7x57, .32 Win Spl, .35 Rem, .32 Rem, and .300 Rem Ultra Mag.
Once you get the brass the cost goes way down. I could always beat factory loads and I can tailor the load to the firearm for the best accuracy. Nowadays however, with the cost of components going up the margin is less but I like to load to get the best performance out of each of my firearms so I don't mind the cost so much.
Smokeless powder will not explode, it just burns very fast. In fact the way to dispose of old powder that you are not sure is good any more is to take it outside and dump it in small piles and light the piles. DO NOT DO THIS WITH BLACK POWDER - BLACK POWDER
IS EXPLOSIVE.
You can reload any type or style of bullet manufactured today. Again if you reload you typically load components geared toward what you are going to do. For example, when shooting competition (PPC) I loaded my 38's with Federal primers, 2.5 grains of Solo 1000 or Red Dot, and topped it with a 148 grain Hollow Base Wadcutter (great accuracy, little smoke, went about 700 fps). My 204 Ruger gets HP's for certain types of shooting, FMJ for other things.
I actually find that reloading is relaxing to me and others have said the same thing.