I have a .270 as my own first deer rifle. My first deer kill was with a .243 but we're talking about the .270 right now. I sighted the rifle in at 100 yards to hit within a 3-4 inch circle. I've taken deer from 75 yards up to 275 yards without adjusting a thing. I've never missed. EVER. It's a very flat shooting gun. I stick with the 130 gr. bullets. I am using Winchester ballistic silvertips for factory ammo and reloading 130 gr. Nosler ballistic tips. I would highly suggest the tika they shoot very well and are pretty as well
As for your reloading question. If you so choose to buy the most expensive reloading kits then yes it's probably not worth it to reload your own ammo for how much you shoot. BUT. If you go out and buy a cheaper kit then it can pay itself off very quickly plus it's a great hobby. Once you start reloading you will begin to start shooting more as well. Let us know what you end up with. Good Luck.