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I take way too long to reload my J-Frame, maybe 15 seconds, or more, so I carry a backup gun and can do a NY reload in maybe 2-3 seconds.
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In a self defense situation, you might have that reload stuffed in a pocket. So, if you have to dig around, I can see this taking some time (15 seconds seems too long to me). However, as they say, "a man has got to know his limitations." That is why your plan B is very sound advice.