This comment suggests you are very new to world of reloading and probably even ammunition.
We just came through an extended powder crisis that was very severe for close to two years. Powder started disappearing from shelves right after the Sandy Hook Massacre in December 2012 and there are still some items in shortish supply. The gist of it was that powder for reloading was essentially unavailable for all of 2014-15. This coincided with an acute shortage of .22LR that lasted almost as long.
In the last 15 years I can recall extended primer shortages (shortly after the second Iraq invasion, I think), a dramatic bullet shortage, a couple of powder shortages, and varying degrees of problems getting some calibers of loaded ammunition.
Bottom line, the supply chain for munitions is not the same as it is for orange juice or car parts. You cannot count on simply going to the store and buying more just when you need it. Availability is strongly influenced by world and national events. I would never consider having less then a two year supply of components for any firearm I count on shooting.
All that said, you are right that being prepared does not justify having 30 years worth. I suspect that in most cases that is just the result of changing needs and resources. You buy a bunch of 4895 because you love shooting your Garand, but then you get a new job, then you move, and you wind up joining a club that specializes in pistol and you get hooked on IDPA and stock up on WAP. Then the baby comes and you don't have much time to do anything you actually want to do. You look back after a bunch of years and you are still sitting on a bunch of 4895 and Action Pistol but all you really want to do is start shooting more Sporting Clays. Such is the way of hobbies.