I never said the X-bolt could or couldn't; I said most magazine rifles can. I have not tried it with an xbolt (as I haven't had a need to) but other owners online have said in the past that you could top load an xbolt.
The process to change a magazine (4 in the xbolt btw) is just as easy as single loading 2-3 rounds. The only down side would be if you dropped it, which is a legit concern. There are pros and cons to each so the individual has to determine which they prefer and, most importantly, understand the mechanics of doing it right & also knowing what do if it goes wrong.