bblhed has a good suggestion about the rewind lever; I have always done that, and it does give a visual proof that the film is properly loaded.
I don't find the Nikons hard to load properly but when you have a flash mounted on the F3HP, there is no visual confirmation as the rewind is covered up. Applies to the F and F2 as well. So folding the leader probably makes it more foolproof. OTOH, you cannot fold the leader when using the Pentax LX, ME & ME Super (other M Series too?) due to the film take up spool design. I had concerns about this design initially but have not had any issues loading these properly.