In that my underwear does not have any pockets, I admit that I also would be at a disadvantage reloading a revolver in a firefight at 0400
However, I often carry my Smith 642 in my pants pocket. I found a speed strip works great to have additional ammo that is organized and lies flat in my pocket. If I have a jacket or vest on a speed loader in the pocket is no big deal. As previously stated, if you are going to pocket carry a FA or ammo, you need to dedicate those pockets to those things only. You will be surprised how fast you can get with speed strips. Nyclad bullets by Federal .38+P are coated and do not have the same issues as other exposed bullet tips.