One of the reasons I hand load is to save money, much the same as a lot of people I imagine. But, just as important I wanted to be able to custom load specific lengths as needed.
If I intend to travel I usually load 36 exposure rolls. Likewise if I am shooting for a specific project.
The rest of the time I load a lot of 12 exposure rolls because I find that length very comfortable for my day-to-day work.
If I am working from 400 foot rolls I load in the dark for obvious reasons. But if I am working with 100 footers I typically load out of a bulk loader and work in the light.
I now load to the Leica cassettes or the Contax cassettes because they are much nicer to work with (and will almost certainly outlast me.) The Leica LTM cassettes (FILCA I believe) seem to fit and load beautifully in my Prinz 66 loader with the Contax cassettes work best in my Watson.
For my Contaflex and Contarex backs I use regular, metal re-loadable cassettes. After about 5 reloads (I make a mark with some white-out on the cassette) I tend to toss these out. I have never had any scratches from dirt in the felt but I have had a couple fall apart on me after passing the 5 load mark. It is one of the reasons I much prefer the Leica or Contax cassettes. I am sure they can probably be worn out but it isn't likely that I'll be doing it in my lifetime at only 3 to 4 hundred rolls of film a year.