One thing we should all remember, as people who entrust our safety to firearms, is the Murphy factor. Always try to prepare for the worst case scenario, because it's better to have something and not need it, than need it and not have it.
Though I've never had a magazine set on me, I usually have three 8 round mags loaded for my 1911. I have 5 mags that I rotate out every 3 months, so there are always 2 mags that are not loaded. It takes me maybe 2 minutes each time. It may not be necessary, but it doesn't hurt me either.