Ah, the mythical "lull in the gun fight." So, having been involved in law enforcement firearms training lo, these past many years, whenever I found myself saying "when there is a lull in the gun fight..." I actually would get the giggles (mainly because that whole "lull" thing didn't square with my military experience) and became somewhat relieved when our training doctrine started to move away from teaching the tactical reload and emphasizing mainly the emergency reload (shoot til the weapon is dry, bolt/slide locked open, then reload -- obviously, in military engagements, emergency or speed reloads, if one wants to ensure he/she is topped off, are the standard for most). Anyway, part of de-emphasizing tactical reloads (for non-tactical team members) was the dumbing down our curriculum, in large part due to the caliber (er, quality) of recruits coming into law enforcement (very few being gun folk or having prior firearms experience), because teaching three types of reloads (emergency, speed and tactical) to the new officers almost seemed to overwhelm some of them. Still does for too high a percentage of serving officers.
Of course, with experience, military, LE and competitors get the whole tactical reload process and master it. And absolutely, if you're involved in a situation where you've put down the suspect(s), you never approach without ensuring you're GTG in the onboard ammo department, but that's also why you've got back-up and a designated arrest team.
So in response to the OP, I'd say for the average shooter and concealed carrier (who doesn't compete or work as a door-kicker), if you can master the tactical reload (doesn't take a whole lot of practice), fine, but really, one should definitely worry the most about fully mastering the emergency reload. And invest in enough magazines that if the worst happens, one isn't concerned about dropping precious mags in the dirt or on the pavement.