"As a point of military history, being caught with an unloaded musket is probably safer than being caught with a loaded one, since you don't have to waste any time firing an unloaded one. They were always (early ones anyway) more effective when used as a good, stout club..."

But that only holds for close quarter fighting. If your opponent with a loaded musket and possibly bayonet are holding you at arm's length, then you are stuck.

"Well Jenny's a trickster, and while she could have just taken the charges and saved some work, she could also have just taken the guns away. Not this Jenny, nope, she had to make her husband look like a fool while the water dripped out of his guns. Definately shows how malicious she was."

Not dripping, just enough to render the powder useless. I don't think they were married either, especially not in the verisons where she is called sportin' Jenny, a term for a prostitue.