Get a magnetospeed, they are on sale right now! You attach it to your barrel so no need to set up a tripod down range and you won't accidentally shoot it.
A chronograph isn't a requiremnet for load development but it helps a lot as you get more data to see what's going on with your loads. If you ever plan to shoot at longer ranges, you will be a bit disappointed when your loads that shoot great at 100 yards are shite at 600 because you have a standard deviation of 100fps.
Was looking at it but the price is too high for me. Midway USA has discontinued the magnetospeed for some reason. Thinking about one of the Chrony type with the remote screen and try to go on a sunny, low wind day. Chrony sells lots of replacement parts which is good if you accidentally blast the posts.
I use BL(C)-2 (that's what I got from before) and am deciding on a load of 24.4 gr. as it had good grouping at 100 yds with 77 SMK. Lyman 49th manual lists 24.7 gr, and Hodgdon list 24.9 gr. as max load. I tried 24.5 gr. but started opening up a little (could have been me).
Not sure how much deviation in velocity 0.3 gr. would make. But then again like you mentioned, 100 yds. might be good but farther out a different story.
I use LC brass where manuals list Winchester brass so due to thickness I tend to be more conservative on powder load. My load development started at 23.0, 23.2, 23.4, 23.6, 23.9, 24.0, 24.2, 24.3, 24.4 and 24.5.