Losing a magazine is always a possibility and the first thing to look at is the cost of a replacement.
Secondly, not every LGS stocks them for a SAKO.
I can happily say I have never lost a magazine but all my CF rifles are 700's and all are bottom drop floor plates.
Working in a gun store, every now and then someone slams a magazine home . . . crooked . . . and now the rifle is not operable. In one case a gunsmith had to remove the magazine.
Is it quicker to drop one round onto the platform to shoot or insert the loaded magazine or if the magazine is empty there is a little more fiddle time.
I always ask those buying a detachable mag rifle if they want to buy a second magazine now. Why is the question? Answer is for when you lose that one.
Now that the new owner has two magazines he is going to save even more time so he loads one with #1 load and the second with #2 load. In the dark and the heat of the moment the two are switched although only one person came back with that story.
If you really want a Detachable mag rifle then become very familiar with the magazine, the rifle and the smooth operation of both.
Historically . . . dad slipped the loaded magazine into the rifle and suddenly the game check loomed in front of them. While the son was trying to remove the magazine there was an explosion, smoke billowed from the vehicle as the transmission exploded.
Score one more in favor of keeping your model 700 with a floor plate.