Hi Outlaw Josie Wales and welcome to the brawl. Actually I 'd like to bow out of it, but you touched on something that may illuminate this issue a little.
What you asked about sombody fiddling with a loading lever is an intelligent question. Would they do that? It seems like it would be time consuming and be a lot more difficult than just carrying extra revolvers.
And the answer would be they wouldn't if they were carrying Colts, because Colts broke down into 4 pieces and had a tiny wedge that could be easily lost. You'd probably also need something to hammer the wedge out, and a punch or something, or at least I do in my Pietta replica of an Schneider & Glassick copy of the 1851 Colt navy. You needed about 4 hands and a table to lay everything on to change out a Colt cylinder. So as long as Colts had to be carried, soldiers who could afford it probably carried 20 lbs. of extra revolvers. There is a photo somewhere of a wealthy young young A.P. Hill in the Mexican war wearing a Sombrero and carrying at least two pistols on his person and a couple more in holsters on his saddle.
But thats where a Remington Model 1858 held a great advantage. A few came along early in the war, even the Confederates had some of the early ones but they didn't really begin showing up in great numbers on the battlefield until about 1864. The Rem broke down into just two pieces, 1. the cylinder and 2. everyting else. Not only that, but you could literally take one cylinder out in seconds and replace it in seconds using nothing but your own two hands. If you had one, the first time you cleaned it you would have noticed that. Damn, you'd have thought, that's GREAT! Lemee see how fast I can do that. And before long you'd have the whole thing down to 5 seconds. Perhaps not as fast as pulling a second revolver, but not much slower. Then you'd have started figuring out how to get a second cylinder. battlefield pick up probably. Yeah, I think you'd toss the rest of the revolver, why would you carry an additional 2 + lbs when you could reload in 5 seconds on horseback if you had to? I imagine all the 3 or 4 extra Colts got tossed.
The following comes under the heading of "I remember, I think" but I think it takes me no more than about 3 or 4 seconds longer to change cylinders in my Rem 1858 replica than it used to, to change magazines in my M-14 rifle when I was in the army, particularly considering that I had to pull a magazine out of a pouch then , and I can just pull a extra cylinder from a big jacket pocket. I've never tried it with a loaded cylinder, I admit.
T