Very nice pistol. As for reloading it can be done in seconds but does require a ramrod. Air space in a barrel between charge and ball can burst a barrel.
Having a ramrod secured in your belt or holster works. If a ramrod is not tightly housed in the pistols stock it can quickly be removed/lost upon firing.
I do not think the lack of ability for the pistol to house a ramrod in the stock is done believing there is no time to reload. If this were the case many would choose a pistol with a ramrod, having the ability to fire again is what all firearms designers strived for.
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