Lets examine this analytically.
1. Most incidents are stopped by merely displaying a gun
2. Most gunfights are resolved in a couple of rounds
3. If you think running out of rounds is a problem, then I strongly suggest a semi-auto
4. If you are going to reload in a gunfight, I hope you have the good sense to take cover first.
5. If you are behind cover, just about any method of reloading will work, but loose rounds are really slow. The rest are comparably fast
There are seldom any one size fits all answer with guns. You have to experiment and train to be prepared. The situation may change everything, such as wearing summer clothing. But i appreciate the spirit in which you are seeking advice.
Btw, I have trained with speedloaders and snap caps to reload my 686 plus in less than two seconds. But I havent tried it for a while and dont know if i have retained the skill. I also dont know how i will react under pressure.
On my TRR8, i have to use moon clips because there is no good speed loader for it. Moon clips are a little slower, and when you have 8 cylinders there is more of a chance of a bullet hanging up. I have a rubber speed loader for it that works surprisingly well, but rounds tend to fall out of it rather easily.
I highly recommend the TRR8, but this 8 shot, five inch, N frame monster isnt exactly a concealment piece. It was designed for police entry.
My trusty J frame sits in my night stand. If i go out, a revolver isnt what i want. Thats just me.