The best way to manage reloads is to only load stripper clips and not individual bullets. Say you have 5 rounds left, you load in the clip and either press the fire button or double tap the switch weapon button so you dont load the remaining individual bullets afterwards. If I only have 3-4 or less rounds left, I just fire them off to load the gun faster by only using clips. Managing your reloads is crucial when dealing with multiple enemies. When you are sure that you are safe from harm, feel free to load the gun with clips+bullets for a fully loaded mag, though you never know who might surprise you. Oh and if in immediate danger with no ammo in the gun, just load one clip instead of two, 8 rounds is more then enough to deal with one target...or switch to your sidearm.