You miss the point. There is no drawing involved. You simply select one weapon, then select another. When you exit the inventory, your original gun is just sitting there in your hand full of ammo because I de-selected it and re-selected it.
Also, I think plenty of people are sick and tired of hearing, "just don't do it" in response to a bunch of hacks/bugs/poorly thought our design. Plus, with this problem, I can't actually "not do anything." Every time I select a weapon it is fully loaded regardless of what state I left it in. I can't do anything about that. Furthermore, when in combat I am often switching weaponry, ammo types, etc. Therefore I am constant "hacking" the reload layout, and have no choice to not do so.
It just feels dumb, aside from the whole overpowered thing about never having to reload things.
Furthermore, every modern FPS game since Counter-Strike, I know of keeps track of magazine amounts, even in immensely large multi player matches with multiple users dropping and picking up weapons in game. I love grabbing for a weapon only to realize it's mag is empty.
Although ironically - while on the subject - it svcks even worse when you are "honest" and allow the reload action to being but then have no way to stop it. I sit there mashing my inventory button to use a stimpack as my character sits there poking cartridges into his gun while getting super sledged to the face.
TL:DR - reloading blows. Figure it out.
Ok, first of all, you need to stop calling it hacking, because it's not that. It just isn't. If you don't like how it affects game balance, fine, but it doesn't make it hacking. That implies you are making the game do something it wasn't designed to.
Second, marlock is 100% right. There is no reason for you to go into your inventory, switch it out, and switch it back other than to use this. "Just don't do it" is really a valid response in this case. If you lack the self control to avoid doing this on purpose, it sounds like you really just want to do it anyway. So really, stop doing it.
Outside of combat, well, if you're outside of combat for more than 20 seconds it would stand to reason you'd check your weapons anyway. And all the games that "remembered" your magazines on your weapons... most of them don't let you carry 20 weapons at once. They're two-weapon games for the most part.
If you really enjoy being punished for your lack of foresight as you so claim, keep hardcoe mode on. I'm sure you'll die soon enough because you forgot to stimpack BEFORE those 3 giant radscorps hit you 6 times.