Normally, I'll take the psychological advantage of the pump-action sound over another shell (11 instead of 12). If I'm in a situation where i *know* bad things are going to happen, then I'll load the final shell.
At home, the chamber is empty. If the Fifth Dismounted Looters and Sackers decide to target my neighborhood on New Year's Eve, though, it's time to load to max.
[This message has been edited by Coinneach (edited July 02, 1999).]