You are right, unethical is not the word I'm looking for. Nor is "illegal" - the reasons for it being illegal is that the government declared it so, whatever, we are all on the same page here about things the government declares illegal and whether it is right and justified. And I don't mean to accuse you, my apologies - I did note you were likely only jesting that you would make some to sell.
But if you are not prepared to openly sell ammo you make, that you make use of the auction disclaimer to protect yourself from the liability, then you also must feel there's something not quite right about selling reloaded ammo? What it is I do not have the right word for.
An excellent point - that letting someone use one's reloads is the same as selling... And you are right - I also had more trouble with factory ammo than I ever had with my reloads though I'm not up to your numbers.