oops, my bad
wow!!! i am soo sorry. i miss-counted by a whole 1 game (not including FFT, not held as part of series). But the classic fantasy-esque FF dont usually include firearms. The newer ones, with more technology, do include some firearms. Even then it is usually kept to a minimum (gunblades excluded).
Im pretty sure rapid reload (S&F, if i remember correctly) lets U reduce the reload time by one step, full action becomes standard, standard to ME and ME to free. that might help.
Are U playing with a flintlock pistol? They arent the easiest things to reload. If U were playing with anything more modern you could always reload clips. I think Dragonstar rules has it to reload a clip as a ME action (of all days to leave the book at home).