I am never wrong. Ever. Except when I am totally and completely mistaken. The manual agrees with you, but the day I'll trust a Bioware manual thats been through Atari's QA will never come.
http://nwn.bioware.com/forums/viewto...t=rapid+reload
Its bugged, but the bug brings it closer to D&D 3E rules (which is a good thing IMHO).