you may be right, but that is an opinion. Everybody has to make their own choice of how to carry their firearm: one in the chamber, mag installed, etc, etc. I give her credit for having a firearm for a CCW(some people choose to leave it at home) and for having a plan: inserting her mag and making her CCW "hot" without hesitation. She didn't seem clueless.
So what is a gun if it's not loaded.... a club!! What if this guy jumps up and takes the gun from her while she is fumbling with the mag and shoots the woman and kid? Sorry I give her no credit for carrying a gun and not having the confidence to carry proper. She got lucky this time but next maybe not so