I've been using reloadable cassettes for many years now and I can say they're not as bad as some people say.
I always spray some air in a can through the felt lips before loading the film. I also numbered my cassettes so that I can know when one fails, but so far everything has gone well. I tend to find loading the plastic cassettes easier but the metal ones are sturdier. I avoid dropping them just in case the open-up.
As for film, I've been using cheap Fomapan (actually sold under the Arista label) for many years now and can say that while it's not a gorgeous film, it does get the job done at a decent price. Just don't use some of the manufacturer recommended development times and you'll be OK.
Fomapan is one of those weird things. When you first look at it, you go "yuck!". Then you play around with development and you go "hey, this is not that bad!". Then you look at the cost and you go "I'd definitely go for seconds".
So far, in HC-110 dil.B, it's incredibly contrasty. Overexposed and processed in HC-110 dil.E is really nice. It also likes caffenol a lot.