It depends on your definition of what "decent" means. Once you determine what that is and the purpose, then a determination of what ammo to recommend can be made.
Plinking and training, whatever FMJ load you can get cheapest is likely to work well enough. Recently, Wlamart clearanced out their 420 round XM855 cans for $60-$70 and I bought what I could find. More often I am pricing out various sized packages at the stores I frequent or the online stores I use for the lowest prices. Sometimes the 20 round boxes end up cheaper than bulk packs.
For HP or SP rounds, see the above. Fiocchi, Federal, and Remington have bulk packs ranging from 50-200 rounds of 50 and 55 gr bullets often for reasonable prices. The store I work for clearanced out 55 gr Win SP for $5/20 a couple months ago which wasn't bad.
If price rather than bullet is your main consideration then the "best" choice will vary from manufacturer to manufacturer and from store/supplier to store/supplier.
Both will probably suck for groups. Both will train and plink fine. Both will penetrate more than enough. If one is closer in weight to your other target/hunting/defense loads, I’d probably rock that one. 1:8 wont know much, if any difference.
I'd kinda like something that doesn't suck, for groups.
If you need specifics let's start at .5 MOA and work outward towards 2 MOA.
which bulk loads won't break the bank?
