FAL 308 covered it all...but going to reply anyway, it's a slow day.
The loading lever dropping, does have much to do with the qaulity of the spring and catch at the end of the
lever. Sometimes, on percussion revolvers, it also has to do with very heavy loads. If you literally pack the chambers of a Dragoon, or Remington, to the max...sometimes the charges recoil enough to drop the rammer even on a qaulity gun. Hard on the pistol to be doing that type of thing, especially routinely.
Because it only has one main pivot, the Remingtons will be somewhat more prone to do this than the Colt's. The Colt's will tend to loosen the screws at the second pivot. Either way, if shooting heavy charges, watch the screws, they will loosen.
Not really a problem to worry about, on a good gun, and without overcharging. And anyway, the original weapons were usually fired with a slightly lesser charge than many use today, because these were often loaded with conicals. The pistol that really has this problem is the Walker, long cylinder-very heavy charges, and no effective catch on the rammer. In addition to blowing up (the original Colt Walker had some serious QC problems), that's why the original model was replaced by the Dragoon.
Usually on the Dragoon type revolvers, a powder charge just slightly less than a full cylinder seems to be the most accurate. Navies, Remingtons-due to the shorter cylinder, that doesn't seem to matter as much.
