There are a number of studies on the topic of varying quality but I think that's besides the point.

> It’s called a loading phase

This is not about a loading phase. "It's called a loading phase" indicates that the reason you would take high doses is for the muscular saturation that some people think is required. You're right that you can absolutely skip the loading phase, but that's not the point. The point is that you would take the higher dose for the cognitive effects.