In my opinion this is simply one of those things that is not likely to matter. I suggest that people simply choose a method and stick with it. Sure, its a good idea to have a couple of other methods in your pocket but this stuff just isnt that big of a deal. That said, I will tell you what I do
I simply prefer to pull the slide back as far as that sucker will go and let it fly. When I was first making a decision on what method I wanted to adopt, I experience numerous FTF when utilizing the slide stop as a release. Sure, I have experienced FTF using the (over the top) method but by comparison, it was a mere fraction. Sure, it may have been the gun or the angle I was using or half a dozen other things... but ya know, I just dont care that much about it. I found OTT to work exceedingly well on every firearm I have ever used. OTT is what I adopted, it is what I continue to do and its just not deeper than that.
Additionally, I already use the OTT method when clearing a jam, so why not keep things simply in my brain and utilize OTT for a similar action of loading.
I doubt that winning any gunfight will ever hinge on which method you choose to chamber a round. Anything is possible but I seriously doubt it. As previously stated in the thread, muscle memory in this regard is probably worth developing. Just pick a method and get to it.
I feel that OTT is the best and most practical method for ME to chamber a round. Honestly, I dont give a flip about trying to convince someone else to STOP or CHANGE what they are doing. I will offer my reasoning for those who my currently be on the fence.
There are plenty of things that might actually be the deciding factor in a fight.. this probably isnt it. The method for chambering a round is simply a box to be checked ( in my estimation), check it and move on. If you want to get all into the analytical weeds in regards to tactics and strategics, great. Fight science, fighting method and tactics is probably worth the effort but the handwringing over what method is needed to chamber a round- is seemingly a lot of hubbub over nothing.