If you are going to load "the proper way" as if someone was shooting at you, you'd better research the military method of loading and use only paper ctgs - everything else is too slow. Is this how you do it, oldtraveler?
Cock at 1/2 bent, hammer open. Tear the base off with your teeth, prime, close the hammer, shove the paper ctg. into the muzzle - POWDER first - out with the rod, ram it home, lift and throw the rod, 3 blows, shoulder the musket, cock and fire?
I think that is the proper 'American' scenario from the late 1800's through to the 1850's, if someone is shooting at you. Never had that happen to me either - been close - however I would not be using my flinter if there was someone shooting at me - the only times it was close, I had my M29.