I understood about just loading the chamber. What I was addressing was your technique when routinely shooting...plinking, target or whatever. :-)
Keeping the muzzle pointed at the ground until you are finished with the cocking stroke seemed just a bit awkward to me. However, I'm in full agreement as to dropping the pellet in PRIOR to the cocking function. I figure that as you bring the barrel up to the locked position, you will almost certainly be keeping the muzzle aligned in a safe direction. That is, pointed at, or at least toward, the target. :-)