Spend more time on malfunction clearing, drawing during periods of your threat’s divided attention, and shooting from awkward/non-standard positions. Spend less time on reloads.
As you mentioned above, most non-LE defensive shootings are low round count at extremely short distances. Reloads are nearly unheard of for the average CCW. Shooting from non-standard positions (especially from a compressed position for close-range threats) and drawing your firearm from concealment while moving to cover should be #1-2 priority because they’re the easiest ways to hurt yourself if you haven’t trained. Subscribe to Active Self Protection channel on YouTube, and recreate shooting positions/circumstances you see in citizen defensive encounters. Shoot after being knocked on your ass/tripping over something, while wedged in a corner at contact distance (again, a compressed shooting position is important to train unless you want “My Gun” to become “Our Gun”), shooting from the passenger side of a vehicle (if you shoot right handed, the seatbelt needs to be tucked under your armpit as a passenger before you draw/present to extension. Try getting your gun hand untangled from the seatbelt while covering a deadly threat, especially without muzzling yourself, and you’ll understand).
I’m not saying you shouldn’t practice reloads, because that’s obviously an important handgunner skill, but based on probability it should be a much lower training priority for most students.