With "move or fire" weapons I always assumed that the model was supposed to be loading his weapon just before he fired it, during the movement phase, rather than toting a loaded weapon around.
I'm a big fan of the dwarfs, and it seems to me like there are two decent strategies to starting out a dwarf warband. They're not the easiest group to play though, not by a longshot (although they can be very formidable late in a campaign if given the chance to grow).
Rule number one though, really with any warband, is to always take the maximum number of heroes to ensure that you're getting as much money as you can. This means definitely take a noble, engineer, and both slayers. Personally, I don't really like the slayers all that much, and although this certainly is fluffy I find it extremely annoying that they do tend to die off somewhat frequently. For this reason, I often give up on re-hiring slayers once a few henchmen have made the lad's got talent roll. Anyways, as for the two strategies:
First is to take a small number of warriors, equip your noble and/or engineer with fancy stuff like gromril and dwarf axes, and voluntarily flee from battle as soon as you have the chance. This is not the most fun way to play, but it will net you a lot of extra cash fairly quickly and on top of that you'll be starting out with a low rating due to small numbers and you may start getting underdog bonuses early on. Once you amassed a lot of wealth, then go all out and fill in your warband. The biggest reason to take this strategy is that neat rare equipment like Gromril is tough to come by later on, and you're not likely to have the gold to spare on them anyways, so if you want it you should grab it while it's cheap and easy to get.
The other option, which is more standard, is to take all four heroes but skip armor and only give them very basic weaponry. Do the same with henchmen, you can mix it up a bit rather than just taking all beardlings but don't bother with anything fancy and as far as hand weapons go I would stick to hammers and maces rather than axes.
Either way you like it can work out fine, and of course there's always the element of luck involved, but I think the biggest problem you're probably running into with your list is that you absolutely want to start the game with all 4 heroes to make sure that you're bringing in enough money.
