IIRC the options a standing figure (who didn't dodge or drop to the ground during movement) can choose from as their turn to act arrives are:
- Stand still: Bend over and pick something up then stand up at the end of the turn, or any of the following.
- Moved up to one hex: Missile Weapon attack, cast spell, disengage (including disengage onto an enemy for HTH attempt), disbelieve, or any of the following.
- Moved up to two hexes: Change/drop weapons. (If disengaged during move this is a full swap out, otherwise expend MA during move to ready.), or any of the following.
- Expended no more than half MA: Attack with wielded or thrown weapons, defend, or attempt HTH on a figure that doesn't stop your movement via engagement.
- Expended more than half MA: No action.
Example: Sam has adjMA 10. She moves two hexes, spends 3 MA to pick up a crossbow along the way, then drops to kneeling behind a log in the second hex entered. She now has the -4 to be hit by missile weapons for her cover starting this turn, and starting next turn she can reload (if needed) the crossbow, or fire the crossbow with the +2 bonus for bracing against the log. If the cover wasn't available she could have dodged instead of dodging.