Shotgun magazine springs can be changed also- Wolfe makes 'em. Not as easily on a Mossberg 500/Maverick 88 as on some other designs, granted, since it requires unscrewing the magazine tube from the receiver to do it with the Mossberg/Maverick. That's always been my sole major criticism of the design. Even so, magazine springs can be changed in them- it's just more hassle than with designs offering pull-through magazine maintenance.
As to the basic question, we load magazines one round short here. Since the guns in question are Remington 870s with standard 4-round magazines, that means 3 rounds of 00 buck in the magazine. There are four Brenneke KO slugs in the Sidesaddles, ready for an easy select slug drill for the first round up if it's needed. Chambers are empty, actions cocked and locked.
Not saying that's the best way to do it, it's just what we do. Haven't worn out any magazine springs yet, but there are spares in the parts box just in case.
FWIW,
lpl
BTW, I'm moving this to Shotguns- it'll likely get more attention there.