There are no stupid questions so not to worry. A fully loaded magazine should seat though it may require some force to do so. Or you can just load it one round shy of capacity and it will be easier to seat. These mag springs are tight when new. The M&Ps were designed to be carried with a chambered round are are basically just as safe as a double action revolver. The only way to have an AD or ND is to pull the trigger.
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