I am wanting to keep guns more powerful than bow and crossbows in individual damage per shot but with enough reloading pain to have the lower rate of fire make up for it.
In that case, mon, the rules for muzzle-loaders (under the Sorc&Steam rules) is that it takes 2 full-round actions to reload a muzzle-loader. The guns hurt like hell, but its a choice between carrying multiple loaded guns or spending several turns reloading one.
(2 full-rounds because a realistic reload time would put people to not using guns at all, something like 6-8 full-round actions)

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