My take is that if I need more than 10 rounds for self defense, I am in trouble that I probably won't make it out of anyway.
Pretty much - considering the average number of shots fired in self defense is less than two after reading some statistics a while back. While a lever action would be an EFFECTIVE self defense weapon I wouldn't consider it as PRIMARY but that could depend on one's circumstances. If in the outdoors and I found myself in need of a defensive firearm for either two, (or multiple legged creatures) then I think a lever (in well practiced hands) would be a good choice. If I were aggressed in any manner while in the woods and had one of my levers with me, and I had the opportunity to deploy it, I would consider myself on pretty good grounds knowing my ability with my levers. Given what I have experienced watching some people shooting with their 'assault weapons' I would feel pretty good with a lever at a 100 yards and with cover and concealment.
In a recent, first and only (and hopefully never again) 'situation' where I had to draw a gun defensively it was my CZ 75 9mm. While I could have possibly utilized a lever the situation was such that it would have taken more time and possibly could have been inhibited by the indoor nature of my encounter..
The bottom line is one is probably well served with the approximate nine rounds say in a Henry for self defense purposes and quick reloading would most likely not be necessary.
The side gate/tube load issue has become one of the most debated on gun forums - especially with the rise in popularity of Henry rifles. Chances are however most of the debate is carried out by those who most likely don't even own a lever gun - or any guns at all for that matter - but thats a different conversation.