Yes Kilogulf, the reload is important. Having one with you is a good first step.
An experienced shooter can reload a revolver as quick as I can a semi auto (almost). An average shooter with a revolver and under pressure has more chance of ending with his second six on the floor.
In my opinion you cant beat a magazine for being more 'fumble proof'. Not to mention having more cartridges.
Any how, if you carry a firearm you also carry a responsibility. You should get proper instruction and practice, both shooting it and reloading it. After all, you may end up discharging the thing near or among innocent members of the public.
By the way, you mention the 'stop and assess' thing. I used to agonise over that one. The thing is training will often kick in, taking away your choice. i.e. Threat is in front of you, you see what looks like a handgun, you grip yours, as you draw a bead his arm rises, it's over. 3/4 seconds topps. Scary? Dont carry.