^+1. Depends on the mag. Colt 8 round mags, I use like 7 rounders with an automatic +1. That last round is in there so tight, it's hard to get the mag in the gun with the slide closed. In fact, it was impossible when they were new, even slamming the butt against my bench. I also have some KCI G19 mags where the last round is tight. It takes a thumb-o-steel to get the 15th cartridge in there, and it still wasn't a problem with factory ammo. But cast reloads tend to be a little bigger. The last round didn't even fit, normally; it stuck up far enough to flex the mag lips out, and this caused malfunctions over time. I bent the mag lips back and download those by 1, now. So I agree with jmr40. Just cuz the mag is labelled as "X" rounds doesn't mean it's a good idea to load that many in every scenario.
On the flip side, I would load 'em all the way, unless I had some reason otherwise. If they fail, then you'll know in the future. And then you can buy new springs. That's what your credit card is for, right?
But you can't fail them before you try! If you are paranoid because this is your only "SD gun" then buy a couple extra mags and set them aside as backup. You can't find out how reliable your gun is by babying it. Even having had malfunctions in my KCI mags, I trust them 100%, now that I know and have run thousands of rounds through them. I also had to change out the garbage springs in them, and I'm glad to have found out sooner rather than babying them and finding out later.
Specifically, I have 7+ authentic G19 mags that I generally keep fully loaded between range trips. Been years, and I have yet to have the first problem.