And for breech-loading, can we put a bullet without a cartridge in with out it falling down?
Excellent answers to your first question in posts above, which I would assume is the way your story gun should go.
But as to the second question, there
were breech-loading rifles and muskets before the advent of self-contained cartridges.
The
Norge-made
kemmerlader was one. Originally, its breech was literally cranked open, a bullet smeared in tallow inserted, then a paper satchel of black powder torn open to pour in the chamber behind the bullet before the chamber was cranked shut and a percussion cap fitted to the nipple.
As has been said, the grease and/or rifling in the throat just ahead of the chamber snugged the bullet in place.
In later models, the power bag was affixed to the bullet for even faster breech-loading, forming a forerunner of today’s cartridge of primer, casing, powder, and bullet.
So no, no bullet rolling out like a BB through a soda straw if you use one of those rare breech-loaders. Fun question.