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Agreed, using common sense to determine when the "always loaded" safety rule is applicable will get you a long way. I've seen folks contort themselves into some very strange positions and guns hit the deck on occasion, just because a person is trying not to flag anyone with a gun that has been cleared already...

Now, I'm not saying the OP should have been 100% OK with a hand cannon being pointed in his direction, but a few details are missing here: If the cylinder was open (sounds like this was the case) then it was plainly visible that the gun was clear. No harm, no foul. If the cylinder was closed, that's a different story. Either way, if it were me, I would have just moved clear of the muzzle and tactfully asked the shooter to keep his firearm pointed in a safe direction while loading/unloading.