My take on bipods is that different strokes for different folks. I use a Sinclair F Class most of the time, and I don't believe that any sandbag up front is better. It tracks straight back, sand bags don't always do that. I can use this bipod quite effectively from either prone or bench. Downside is it costs $250.
I also use a Harris 6"-9" on ocassion. Just learn how to properly load the bipod and you can get good consistency with it.

Reloading isn't so much about saving money as it is about working the load for YOUR rifle. You can choose the bullet, powder ,primer, and seating depth which best suits YOUR rifle. There is a cost savings over quality factory ammo (about 50%), but to build good stuff at home is just as much, or more, than the cheap factory ammo. If you want accuracy, reload.