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In a self defense DF situation...would you really be able to reload?

I can figure if you are in a combat zone with backup and stuff yes, but in a parkinglot trying to get in your car?

Wouldn't almost all "civilian" conflicts end in seconds, not drawn out such as in a SWAT standoff?

My CHL instructor said a blade is almost more effective ending a DF conflict, because EVERYONE has been cut sometime in their lives, and we know what it feels like, not everyone has been shot, so a nice shiny quick opening combat knife might actually deter a badguy better than pulling that pistol, plus it would be easier to explain to a jury that you didn't immediately go to gun to end the conflict (if the guy kept coming after you pulled a blade, he OBVIOUSLY had intent to harm)

Just my untrained $0.02