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A more important reason to download mags is so they more easily and reliably lock on place on a closed bolt.Some opt to short one(or two) cartridges on stiff springs as to not create a potential bind when it's time to feed. Whether this is a worthy concern, is up for debate.
One thing that does deserves note is that people often train with ball ammo(for obvious cost reasons) and then switch back to their carry ammo(JHP) after range time. The repeated chambering/unchambering of a cartridge may affect the seating of the bullet in the cartridge. This may affect pressures; in turn affecting accuracy; or worse, a potential malfunction.
It's important to rotate one's carry rounds regularly. It also gives one an opportunity to actually train with the rounds that would be used in a SD situation.
That is why I do not store my long guns with a round in the chamber. If I do chamber and remove a self defense round it go in "burn it up" pile and I shoot it along with my training ammo.