The person most likely to be killed by an unloaded gun is the guy holding it.
I keep my gun loaded in these games, there's nothing more unpleasant than approaching a guy just as he sees you and knowing you don't even have enough rounds to kill him. This wasn't as big an issue for me on RDR, where I was mostly a compulsive aimer (incidentally, I hate it that people who just auto lock and then spray bullets are almost guaranteed a kill over someone who takes an extra second and goes for a headshot every time?) and any time I killed someone, it was usually with a single shot. On CoD though, which I'm not much good at, I prefer to reload once my ammo drops to the point where there's barely enough to drop someone.
I keep my gun loaded in these games, there's nothing more unpleasant than approaching a guy just as he sees you and knowing you don't even have enough rounds to kill him. This wasn't as big an issue for me on RDR, where I was mostly a compulsive aimer (incidentally, I hate it that people who just auto lock and then spray bullets are almost guaranteed a kill over someone who takes an extra second and goes for a headshot every time?) and any time I killed someone, it was usually with a single shot. On CoD though, which I'm not much good at, I prefer to reload once my ammo drops to the point where there's barely enough to drop someone.