I don't see what the difference would be, in the unloaded and loaded besides the fact that the loaded carries a risk because more than 1 person would know the private key. Maybe a 2FA one would be neat. Or just load the unloaded ones yourself
2FA no no. Own the keys, own the coins.
Unloaded + buyer loads = new buyer of this note must trust the previous owner.
Loaded + buyer buys preloaded = second hand market must trust Polymerbit, not the previous owner.