You get the point. And the point is this: The act of having this debate, the very act itself, is ridiculous.
Do you drive around with the parking brake on?
I ask, because it's the modern day equivalent to walking around with a loaded crossbow. At some point it either breaks or something bad happens.
It's a legitimate concern for a gaming group. Players invariably want everything to go in their favour, so of course if the DM has a surprise encounter they all have their weapons available, drawn, and loaded...except when they don't. The OP was getting at situations when it would not be reasonable to keep a crossbow loaded.
Uhm, No.
The original poster was getting at the fact his GM said he couldn't move in combat with a loaded crossbow because the bolt would fall out. That is a VERY different argument. And I kind of agree with DB. It's the GM being a jerk.
If the player wants to walk around with the crossbow loaded at all times, the crossbow starts losing power, and eventually breaks (probably within a week).
If we're talking about walking around in a dungeon for an hour or so while you explore with it loaded and carried in one hand, that's going to require some craft skill checks later to keep it in good working condition. It's not meant for it. But there is no reason for the player to not be able to walk with a loaded crossbow in combat.
My point EXACTLY. Thank you MDT.
Players shouldn't be prepared all the time, I understand that. And if my group were in a city, and should they be ambushed in some way, I wouldn't ever allow them to have loaded crossbows. Hell I make them don armor if the situation is appropriate, that's just good gaming.