The question about charging 6 and capping 5 comes up in Cowboy Action Matches occasionally.
A particular stage may call for a sixth cartridge to be loaded into a revolver while the shooter is engaging the targets...a revolver re-load. Those who shoot in Frontiersman category cant charge an empty chamber on the clock very well (well they could, but their scores would suffer incredibly!), so usually the Frontiersman charges all 6 chambers, but only caps 5 at the loading table in order to comply with the rule that the hammer must be down on an uncapped nipple when he comes to the firing line. Then, after the timer operator starts the stage, most of us put a cap on the 6th nipple before firing the revolver, then proceed with shooting the stage.
A few shooters whose opinions I normally respect have posted on that SASS thread that they have shot all five chambers, then capped the sixth, without ever experiencing a problem. It just seemed to be risky to me and that's why I brought the question up in this thread. Thanks for the responses. I did not intend to hijack the thread with a tangent issue, but I thought it fit somewhat closely with the OP's point about the amount of fire generated by percussion caps.