This question comes up fairly often and it is a question that is best answered by you taking your rifle out and trying it for yourself. You don't need to guess or cite various sources, do it yourself. You have the rifle, you have the magazines, you have the ammo: go to the range and use them.
You need to do a drill that requires rapid magazine changes such as the El Presidente' or just simply stand there and practice doing tac loads from your pouches. It needs to be a drill where time is an issue. You don't have all day to seat the magazine: it needs to be done right now, instantly. If not, the timer clicks away while you spank the mag. You will quickly see that many magazines will not seat fully on a closed bolt if they are loaded to 30 rounds. You will be doing a drill like the El Prez and end up with the mag falling out of your rifle onto the ground because it wasn't locked into the gun.
Again, this isn't voodoo. Just take your rifle and an empty magazine and look how the mag locks into the rifle. There is a little cut out in the body of the mag that locks up with the mag release. If you have the mag loaded with 30 rounds and the bolt is closed, the top round in the magazine hits the bottom of the bolt carrier and the hole doesn't line up with the mag release. So, you have to depress the magazine spring a little bit to get the hole to line up.
If the bolt is locked back this isn't an issue because the top round is not touching the bottom of the bolt carrier.
Some of this also depends on how worn your magazine spring is (the more worn, the easier it is to depress), as well as the manufacturing tolorances of the magazine body as well as the rifle lower receiver. Sometimes you will find a magazine that works fine fully loaded. Other times you won't. To me, it isn't worth the hassle: just download by two rounds and ensure that everything will go smoothly. The alternative sucks.
Pounding on the bottom of the magazine is not the way to go. This isn't a contest to see if you can get it on dispite us telling you not to. This is why shooting a drill like the El Prez is valuable. You are shooting against the clock: you don't have time to pound the magazine. It needs to seat quickly and smoothly. Spanking the magzine is a recipe for trouble. Again, this isn't rocket science. You learned this lesson outside the shooting sports: if it doesn't go easy, don't force it: bad things will happen. Using a bigger hammer is often not the best solution. As was mentioned, this often results in feeding issues like double feeds (type III malfunction), bent magzine feeding lips, having all the rounds in the magazine fountain out at once, and/or having the magazine "bounce" off the bottom of the bolt and onto the ground.