Each to their own.
Fair enough, and I do not doubt that it works for you most of the time but we potentially have DIYers reading this post (both now and in the future).
You mentioned loosening the screw and the re-tightening to counter the jacking. You were the first to suggest that. A DIYer would not have known to do that prior to your post and could have made a complete mess.
The correct way is to pre-drill. Yes, in the real world there are many time savers that work equally well if one is suitably skilled but I doubt that many people using their first cordless drill will be able to judge the correct amount of torque as well as you.
For those DIYers I leave the following link- it is one of the first ones that I found on Google
https://www.popularwoodworking.com/woodworking-blogs/pilot-holes-clearance-holes-countersinks/
Hopefully the above will help them understand the importance of pre-drilling and then once they understand that they can follow your advice.
Regards Opps