Well,
Nanotechnology IS a reality in Sirius, so, when it is not a declared PvP, or for a Train to try to scape, I think it is justifiable to reload. Though I never reload.
Yesterday, a member of UAC reloaded, he was in a train, I got disappointed... but trains are easy preys, so... for a train to reload it will be considered as a dishonored act, or a legitimate defense act of the weak?
BUT ONCE players have engaged, no more reloads. Thats my opinion.