The local merchants don't "support me", they don't "support" black and white, so I don't support them apart from getting color C41 prints there. In 35mm bulk loading is the way to go. Freestyle, J&C, Ardorama, B&H, eBay, Photowarehouse... get used to it. In the future it will all be mailorder. They have better deals and bigger selection anyway. if ya gotta pay the freight - so be it. At retailers you pay sales tax, gas to get there, plus your time. It's a wash, really.
Recommendation - get empty 35mm cartridges from your photo shop for loading. There will be a little bit of film sticking out the end - an 8th of an inch or so, where they cut it. Use green 35mm film splicing tape (cheap but surprisingly a little difficult to find) to splice the film in the loader to the cartridge. Work the spliced part back into the cartridge by hand.
I have run this through C41 machines too many times to count using both color and XP2, never had an issue. I have a trash bag full of cartridges, and I only use them once.
Once you start bulk-loading, you will seldom ever buy single rolls. The local shop gouges for Tri-X, $4 - $5 bucks a roll!!! His biggest customer for this are photography students! No wonder they're put off to shooting b&w.
I have three loaders and 100' spools of Agfa Optima Professional (C41 color), FP4+, Tri-X, and XP2 Super. I, obviously, am not wanting for black and white.
I shoot with cheap fixed lens rangefinders in 135. GSNs, CCs, Konica S3's, Lynx 14e. All CLA'd and all users. I'm of the mindset that paying $1000 for a lens silly, I'll put that money into film and processing. I can't sensibly afford to do both doing this as a hobby, not earning a penney for anything I shoot. If I was a pro selling photos, yeah, I would have those lenses since I could write them off and depreciate them...
I find it amazing when I read posts from people who complain about film and processing costs (not you), but never even tried to develop or print a roll of black and white, but when your look at their camera list, it's M8, MP, a Leica lens or two in every focal length, Zeiss Ikons, Hexar RFs, Mamiya 6, every "name" camera under the sun.
It is to laugh.