That's a good number to look for. Most commercial ranges have loaner safety glasses and earmuffs available if you're just plain too broke to afford them, but it's nice to have your own. You never know where the person who wore the stuff before you has been. I would shy away from reloads unless you know personally that the person doing the reloading is VERY conscientious and careful, as a mistake can injure you and damage your gun. Note that most manufacturers' warranties are voided by using reloads precisely because the manufacturer has no control upon how careful the person who does the reloading is.
Defensive ammunition is another story.
That's cheap if it saves your life, but it's too expensive to practice with. My recommendations for defensive ammo are the same as Massad Ayoob's recommendations, which he has based upon actual field performance of the ammo in stopping bad guys, and upon post-shooting autopsies. I don't agree with everything Ayoob says in there, but it is an excellent primer for someone who is considering buying a gun for self-defense. It's one of the best ten dollar bills you'll ever spend. If you have any questions, don't hesitate to ask me in email.