You don't necessarily need to have a bunch. You just need to have ready access to that which you might need. Handloaders typically don't need to have that much "ammo" on hand, because when they need some, they just make some. Never mind that little rumor floating about regarding hoarding primers/powder/lead/bullets/whatever. Nothin' to see here, move along.... 
How much do you shoot in a given week or month? One possibility is to have maybe a year's worth of ammo if your quantity of shooting is low to medium. I would count "high" as a USPSA/IPSC competitive shooter who goes through maybe 1,000 rounds/week to practice. I'd call my quantity of shooting "medium", since I do about 1,000 rounds/month, but being a reloader, I don't need 12,000 rounds of ammo on hand, so I'm sort of an exception. A "small" amount of shooting might be less than 2,000 rounds/year. For some people, that's enough.

How much do you shoot in a given week or month? One possibility is to have maybe a year's worth of ammo if your quantity of shooting is low to medium. I would count "high" as a USPSA/IPSC competitive shooter who goes through maybe 1,000 rounds/week to practice. I'd call my quantity of shooting "medium", since I do about 1,000 rounds/month, but being a reloader, I don't need 12,000 rounds of ammo on hand, so I'm sort of an exception. A "small" amount of shooting might be less than 2,000 rounds/year. For some people, that's enough.

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