Jason, this is TO YOU specifically...... It is not to add to nor subtract from any other posts.
Congratulations on your attitude. The cheap reloading kit is FINE, and you're RELOADING!!
Welcome.
Now, that said, it is important to realize this RULE, "As Bullet Weight Goes Up, Powder Weight Goes DOWN!" (until you switch powders of course)
It seems that you've indicated that you are using dipper 3.1 for both bullets, wts of 150gr and 178gr. I'm not saying that in your case it's dangerous because you're running moderate loads but once you start raising pressures, making the components WORK, you can get into trouble if you're not aware of this curve.
And another RULE, never change any component without backing down and starting over. I've been guilty of this more than once. I once got into trouble simply from changing brands of primer....... AFTER getting away with it for tens of thousands of rounds.
As far as bullets hanging down into the case, don't fret. I've got accurate 600yd and 1K loads that hang down well below the n/s junction. Just remember to start over, safe and low and work up.
Please just don't get into the habit of switching components without verification.