If you load a swaged lead WC backwards, the skirt separates giving two projectiles tumbling through the air. Poor accuracy and poor terminal effect is what you will get.
Really? Do you have any proof of that? I have loaded and a couple hundred HBWC bullets backwards and shot them into mud, putty and water bottles and never had a single bullet fragment or seperate. They were not very accurate and more likely than not the skirt would mash flat and not expand at all. I would never depend on them for SD load.
In theory if you load a HBWC with too hot of a charge the base could seperate from the solid part of the bullet. Thats with the bullet loaded point first. I have loaded up to 4.5grs of bullseye to see if I could get it to seperate but it never happened.