I know better than you’re lazy, I just use that line on anyone that hasn’t dedicated all of their non-work/non-life support time to wargaming 😉
And what do you mean it’s too cold to sculpt? You’re not homeless, are you? 😉
Regarding reloading, I gotcha, and I could go either way. Split the distance: have a bad roll or a random event simulate a stoppage or running out of ammo at an inopportune time. I kinda like the idea, because why else would your character pull his pistol in a game? Unless you use the pistol pose as a WIA marker, signaling he’s been it but is still in the fight, just at a reduced capacity.
Besides, having bad guys run out of ammo and get whacked while you’re own guys never run out of ammo is bad form 😉