It would be a neat mechanic if there were Staged Reloads.
To explain it, if you were to interrupt your reload, it would resume back to where it was. Like if your character took out the magazine in the animation, then you switched to another weapon and switched back, the weapon would be missing the magazine, but your character can just put in another one once you activate the reload again. Furthermore, if there is already a bullet chambered in your gun but the magazine is missing, you can shoot that chambered bullet.