And for some guns, semi-autos mainly, one could further have a faster reload with a round chambered, as you wouldn’t have the delay from having to rack the slide, cock the bolt, etc.
Might be harder to think up the details for pump-actions and lever-actions though, since the pumping is just left implied after firing a shot rather than existing as a discrete action the player has to take. Could make it so that there’s that reload delay for the first round loaded into an empty weapon.