in regards to reload time, i suggest a mechanic that when your character starts reloading you can watch the process of each reload/time as they desperately slam bullets into the clip… i mean magazine.
for example - you just unloaded your final round in your glock at the upcoming hoard. you hit reload. the text ‘you eject your magazine and start reloading’
then your character starts sliding bullets into the magazine, and with each bullet the appropriate time passes. that way you can see the hoard coming towards you. you might get up to six bullets before they’re almost on top of you and decide to stop, slam your magazine back in and hope that 6 is enough.
as far as the interface goes maybe hitting ‘wait’ to chamber the next bullet, or if it just ticks through automatically and you can interrupt it if you want to stop, like when you study a book, but obviously on a much shorter time frame.
i know some won’t like this because it will slow gametime down a little, and some guns can hold A LOT of bullets, so maybe a safe reload (by hitting ‘r’ again) will skip to the end of the full reload, for those meatier high capacity weapons.
for me though it will create a lot of realism with guns, plus give a better feel. you’ll develop sidearms you prefer for skirmishing because of their quick reload on the fly etc