cooltouch
TPF Noob!
I've also heard of people loading/unloading their camera in the dark and not using the cartridge at all. I don't recommend that.
Huh. Never heard of that before. So, what, do they like just have the loose spool of film sitting in the recess where the cassette normally goes? Interesting. With a changing bag, it wouldn't be all that big of a hassle.
About bulk film loaders -- I had a few sitting around, not getting used. The Watson style. So, I put a couple up on eBay. They went for about $10 each. This was a couple years ago. Also, more recently I won on eBay a couple of Yankee-style tanks -- the small ones that have the thermometer on the spinner and with the reels that'll take 35mm and medium format -- the pair, plus a pair of tongs and a tray, went for $14. I like those old Yankee-style tanks. They're what I started off with, and they're what I'm used to.
Anyway, the point is that you should check out used sources like eBay, Craigslist, and local ad-based circulars. Yard sales, even. It can happen. Years ago, I bought a complete B&W darkroom outfit -- Omega XL enlarger, a few lenses, Jobo tanks, stacks of paper, etc -- for $50 at a yard sale. And it was because I told the seller that I'm always looking for photo equipment. Whenever I go to yard sales I always mention this, even if I don't see anything. On more than one occasion, the seller will respond, "Oh yeah, I got an old camera in the house . . ." and so it goes. Sometimes it's worth it, sometimes not. But it never hurts to ask.