I loaded a roll of 120 once (Efke 50 I think) without defrosting. I did not intend to however. It was late and I was hurrying to get to bed as I was getting ready for a photowalk the next morning. I pulled it out of the freezer and set it on the table. Did one or two other things and then before I realized what I was doing, I loaded it into an RB67 6x4.5 back.

As you guessed, there was no ill effect. Unlike Nicholas, I was happy that was the case.