You don't have to have the hammer cocked to load the magazine, at least on any of mine. You do on an 1100; a feature of that design. You can close the action on an empty chamber, and then pull the trigger, but if you do remember the fore end is then free to move also, and if it comes back any then you can't load anything in the magazine. If I tried this with mine I would have to be super careful or the fore end would fall back of it's own accord. I would just leave the hammer cocked on an empty chamber if I was you. When the fore end is pulled to the rear it is going to cock it anyway, and it doesn't take me any longer to hit the slide release than it would the safety.
I leave my fully ready to go. I keep reading about these people getting shot with empty guns
, so I want to make sure that doesn't happen.