With 300BLK I run pretty much exclusively handloads since factory fodder is pricey, but for my 223's, my 9mm's, and my 45's I agree completely, surplus is the way to go. I do handload for all of those but don't shoot it that often. It's more for when I want to show what the rifle is capable of off the bench, for general blasting I shoot the cheap stuff. My 223's will never see Norinco ammo though, too many inconsistencies to risk my rifles. My pistols get fed anything I can get.
I don't mind the time it takes to handload, when the wife puts one of her stupid shows on the tv I go downstairs to the gun room and prep brass or play the slot machine till I have a pail of ammo.
Agree'd, XCR's aren't known for accuracy but that doesn't make them crap. They definitely have some issues with quality control due to the number of them that have problems before they even complete the break-in period but thankfully Wolverine has really stepped up and people can buy one knowing that if they do have issues that they will be taken care of.
Not all retailers are that good about standing behind their products, just ask mikethebike about his Christensen Arms AR.