I loaded a few hundred of the starting load. I figure when I plateau in terms of accuracy I'll develop the load further. Right now I suck too much to notice any real difference.
I would suggest, loading 5 or 10 rounds at the starting load, then 5-10 at an increased load (the increase should vary depending on the case size, eg. smaller cases like .223 I would increase by .2-.3gr and bigger cases you can make the jump of the increase larger, like .5gr). Continue doing these sets of increased loads up to the max load listed, in many cases you can go much past max load, but I don't suggest doing this until you are very experienced in knowing and recognizing pressure signs, and know where to stop.
Then head to the range, shoot a group or two, of 5 shot groups at 100 yards or more. Take your time, don't let the barrel heat up too much. Concentrate on repeating your shot sequence the same every time, trigger pull, grip on rifle, everything like that maters when shooting groups.
Then try your next hotter load load, same thing, and so on and so on. You will find a load that groups better than the others. Then load those loads to practice and perfect your technique.
An important step to all this is to check your case after each hotter round, for primer flattening, bolt starts to get stiff to open, etc. These are pressure signs, and a good indication of where not to try the next hotter load. (do some reading online, or in reloading manuals to familiarize yourself with these signs)
I am suggesting this because you are claiming that you "suck too much" to shoot better. It has been my experience, and I'm sure several will agree, you can become very frustrated and falsely thing you "suck" when it is actually the load you are shooting that simply will not group. If you are loading up a few hundred rounds of a load that will only shoot 3-4" groups @ 100 yards, plus throw in shooter error, you will never start thinking that you are capable of shooting good groups. Try different loads, hotter loads, different bullets, different bullet seating depths, etc. Unless there is something grossly wrong with your rifle/scope you will find loads that group much better than other loads.
For the question in the OP.
I usually use the method I have described to Stevebot, I vary the charge weigh in increasing amounts and shoot 5 shot groups, usually at 100 yards. When I find the best grouping load(s), I then use that powder charge and start to vary the bullet seating depth. Started at touching the lands (or max magazine length, if I'm loading hunting loads), and decrease the seating depth by .010" or so in 5 shot sets and same procedure, shoot 5 shot groups and pick the best one as my load. All of this refers to sticking with the same powder type, primer and bullet type and weight. When you switch something out, the whole process starts over.
I venture away from this procedure in my 7STW due to its barrel burning capabilities. I use the ladder method for finding loads in it, many because it requires a lot less rounds to settle on a load. You could burn up half the STW's barrel life trying loads the traditional method.
**Edit** I forgot to add, when testing loads, document everything in your loading manual, including range conditions, most importantly air temp for the day. Some powders are very temperature sensitive and the load may change dramatically in different temps.
You can download several good "blank" reloading logs, and you fill in the blanks. Without documenting, you will surely forget something and won't be able to accurately repeat the load at a later date.