The REAL problem is the other way around; when people try to apply the gunfighting tactics they have learned from the police academy, commercial facility, or Ultimate Pocket Rockets & Backup Tantos magazine to a scored sport with printed rules. It isn't the same thing and cannot be made a whole lot closer with reasonable effort.
Something else I picked up while researching another IDPA rules debate led me to the observation that IDPA is kind of a time warp. When Bill W. & co. organized IDPA in 1996 they were at least in part wiping out the changes they had seen in IPSC over the previous 10-15 years and trying to incorporate at least some "tactics."
As to the reload, 'The Modern Technique of the Pistol' by Gregory Boyce Morrison says:
"Speed reloading the handgun in the midst of a fight is rarely necessary."
"The practical pistol shot will be confronted with two reloading scenarios. First, and most likely, will be the need for a tactial reload."
"The second reload is competition derived... the quick "speed reload" has its place but lots of ammunition does not automatically lead to incapacitating wounds."
That, written in 1991 and based on what Jeff Cooper had been teaching for a good many years, is out of date in the teachings of Century XXI tactical trainers, but it is the sort of thing IDPA was built around. Fashions and the perception of "real world" needs change with or without good reason, but rules are a lot slower to mutate.
One thing, if you don't like the rules, don't "just do it and let the scores come out as they may." Not on my range. I do not approve of people doing their own thing and "taking the Procedural." If you want to demonstrate your tactial expertise, tell me, as MD, in advance so I will know what you are up to. I will score you in accordance with the rules, apply any appropriate penalties and tell the competitors not to follow your example. If you do something against safety rules (Recall the debates over the Sul Maneuver?) or if you surprise me badly by going off at a tangent, I will disqualify you and end your shooting.