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where the expensive shelf ammo misses the boat is that they try to give the HIGHEST velocity possible in order to sell ammo.
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Not exactly. They don't exceed SAAMI pressure specs. Where they mislead is in using longer test bbls. to get higher velocities than you can get in your shorter bbl'd hunting rifle.
It's not hard to see why. Ammo companies compete for highest advertised velocities that the shooting public swoons all over, and they get those with longer bbls. and probably tighter chambers.
I haven't hunted with factory ammo for years. I'm a handloader all the way. However, factory ammo is still good reliable stuff, though it can't be tailor made for everyone's rifle. It has to be made to fit big chambers, little chambers, short and long throats, etc. We handloaders can experiment with seating depths, and different bullets (more important than powder used).
Some of the rifles we have these days shoot factory ammo very well, and better hunting accuracy isn't at all necessary. Even though we can cut a 1 1/4" MOA factory group to 3/4" or so with handloads.