"...reloading time"?
I presume you are expecting a 'take over' type incursion. Is that common or relatively common in your area? I used to live in Los Angeles County (no longer, thank you Lord) and would periodically hear of 'home invasion' robberies. Usually in the higher income areas or in drug manufacturing sites (to include suspected drug sites). I lived in neither. Now I live in a town of about 25,000 in Nebraska. 'Home invasion' is practically non-existent.
In reading all the popular literature, I read a lot about higher capacity handguns, rifles and shotguns as required for self or home defense. All of which seems to be written by proponents of modern gun games. Which seems to presume either an attack of Red Chinese regulars, missing a lot or the Elmer Fudd school of shooting.
I suppose I'm just an old fuddy-duddy or flat wrong. Probably never find out.