People will do what people will do, but for what its worth, the original Army training manuals instruct you to insert the loaded magazine with the bolt open, then hit the bolt release to chamber a round.
The M16 was the first US military rifle to use aluminum magazines, and while I never saw anything written about only loading down loading the mag by a round or two, we were instructed (ordered, verbally) to do so.
It wasn't, at the time, anything to do with being able to lock in a fully loaded magazine with the bolt closed, it was about concerns to do with feed reliability, and the possibility of the pressure of a fully loaded mag, bending the aluminum feed lips.
Time has proven this not to be an issue, but remember in the 60s the aluminum mags were new, and felt "flimsy" compared to the steel magazines used by the previous service rifles.