Loading five is the way to go.
But I also remember seeing a Colt ad from
around 1885 which told a shooter that after
loading six to use the "safety notch." It's the
first notch or quarter cock position.
Trouble is, that notch was easily broken and
despite the harder primers of the day, the
guns went boom.
Charlie Askins Jr. told of an old timer around
1915 or 1920 who had always carried six in
his "six-shooter." One day while mounting
his horse, the hammer hit the cantle of his
saddle. The horse took off and the old timer,
luckily, was not wounded by the bullet.
The Wall Street Journal had a lengthy article
detailing the ADs by owners of the Ruger
three screws. A number of owners were
seriously injured. Ruger paid out a lot of damages
and finally created the transfer bar hammer
system without the quarter or half notches.