You can load using the tip up barrel, but I can't remember if that cocked the gun too. If not and one had a misfire you would have to be able to rack the slide.
The 21-style guns are meant to be loaded from the breech; malfunction clearance uses a squib rod, since there is no extractor to remove a casing. Like a revo with a case under the star, a failure means going to Plan B and under cover.
It is a balance of poor options, and a revolver may be the best choice for reliability, if she will carry it (they are a good bit bigger than the 21s).