When I first got my XD, I like you, had been under the impression that the mag should be loaded a few rounds short of capacity (Ok.. if any of you are thinking that that is a euphamism for Captain Ray.. keep it to yourself!)
It turns out that it doesn't work that way... also, if you fill your mag to capacity and the springs aren't worked in, the mag release doesn't eject the full mag correctly...
Like the Captain said, load'em up and don't worry about it. Keeping a spring compressed or uncompressed doesn't cause the srping to wear, it's the action of repeated compressing and uncompressing that causes them to fatigue. They should just simply break-in allowing you to load those last few rounds a bit easier and under normal use they should function perfectly for quite some time.
Springs wear out from repeated cycles not from being compressed. I keep my carry mags fully loaded. You'll do more harm to your magizine springs by shooting than by carrying. Replacement springs are cheap.
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