There are VR games where you can basically do a lot of this. No tripping and spilling bullets or being taken prisoner, but the full simulation of ammo, magazine, and chambering.
I played a battle royale game in VR once where in the pre-match fuck-around period, someone stole my gun out of my hands so I took the ammo lying on the bed and threw it out the window so he couldn’t get it. We had a laugh, he gave the gun back, and I shot him with it.
Duuuuude. It’s literally one of the greatest games ever made. It’s not a strategy game though. It’s a space RPG/adventure with the same combat. It’s insane and it’s one of the biggest inspirations for Mass Effect.
Plus, the music is incredible. The Steam version lost permission for a few of the songs, but you can find it in SourceForge and I think you can get it with the original tracks.
I think sometimes loose noises may just be plastic tabs, but doesn’t hurt to check.
One thing you can try is DeoxIT. It’s a non-conductive corrosion cleaner than you can go nuts with on contacts.
It’s expensive, but this is enough to last you roughly forever unless you're a hardcore electronics refurbisher (~1250 drops, you’ll use just a few at a time):
No, but you can do the cool disarm move of taking the gun, dropping the mag, and pulling the slide/charging bolt to eject the chambered round.
There probably is a “game” or two that fully simulate a gun down to disassembly, but those types are rarely actually games and more just sandboxes.