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If cash is a problem, reloading isn't all that hot due to the $400-500 minimum that you'll shell out for a workable kit that will continue to expand as your hobby does. It is cheaper to shoot reloads, yes, but you really have to load for quite some time to realize the savings simply due to the initial outlay for the press and such.
Dillon is probably your best bet for progressive kits as theirs are tough, reliable, and accurate enough for anyone not shooting for competition.
Ammo generally doesn't have a shelf-life if stored properly (dry, constant temperature, good components), though I would guess that certain chemicals become less usable after a few years. Your casings are reusable too, just make sure that you retire them after a set number of reloads, and that you only use shells that you know how many times have been fired.
As far as safety goes, your reloads will be as safe as you make them. With you being the one at the crank handle, your own diligence and thoroughness are the final arbiters of your own safety. So long as you follow recommended guidelines on pressures and types of powder to use, you should have no problem. Don't reload while tired, distracted, or under the influence as you are highly likely to damage your weapon and possibly yourself if you doublecharge a shell.
The bottom line is that it is cost-effective if you shoot a lot. Otherwise, buy ammo off the shelf and stock up if you see a sale.
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