Just curious...
Does anyone load a round in the chamber and then top off the mag?
I never have. These days I'm carrying either the Glock 19 or 30S with two spare mags. I just load a round and when I'm back home or done for the day I eject the round and back in the mag it goes.
Matter of fact, I've never done +1 even in my hunting rifles....
Not exactly. I generally put one in the mag and chamber that. Then I fill the mag all the way. Why load that last round twice? Unless, of course, I don't have an empty mag handy to start with.
At the range, I don't bother with it. If I unload the gun, the chambered round simply gets tossed in with the range ammo. I don't unload my carry gun very often.
I don't use mag extensions or mags with non-stock followers. I don't use bargain aftermarket mags that the gun's manufacturer wouldn't use. History shows those issues to be the origin of the "don't top off" practice.