I can't answer the poll the way it is written.
I carry a full mag with one in the pipe, but I do not load the top round of a full mag. I load one round from a spare mag, then insert the full mag.
Ridiculous, perhaps, but it would stop a slam-fire malfunction after one round, and it makes mag insertion and round count consistent without having to remove a mag to reload it after loading the gun.
I can imagine a scenario where by reflex in a critical situation you act as you train, i.e., load a full mag at slide lock, then drop it without thinking to top it off and find yourself in a WOS, especially if you shoot a gun with a mag safety interlock.
Modern springs, and even ancient ones, should not take a set because of the mag being full. If they do, you have cheap springs and you need to replace them with higher quality. There are too many stories of loaded mags many decades old that fire just fine, and too few that point to a spring that has taken a set as the cause of a malfunction, especially if you check your gear often.
CB3