Do you have to have the handloader perk to use the reloading benches? Maybe that's my problem. I'm pretty sure I've been at a reloading bench and I have no recipes in my list.
No, so far as I'm aware you don't have to have the perk in order to use the benches- it supposedly only affects the number of recipes you have available. I recall breaking some ammo down to components before getting the perk with my first character, but that's been long enough ago that I don't recall what other recipes I had available at the time. :shrug:
If there are literally no recipes visible whatsoever when you go to a reloading bench, not even greyed-out ones that you can't use at the time, I'd say there is definitely something wrong.