It sets a bad precedence to call a charged airgun loaded. I will not argue that it is dangerous weather or not there is a pellet (bullet) in it especially right at the muzzle or breach. However, I do not want to have to discharge my rifle and then refill it every time I put it in my vehicle or have to cross a road while hunting. Many state game laws do not allow "loaded" guns in certain areas or while being transported in vehicles. If we the users call them loaded then the legislatures and enforcers will consider them so also.
looking down the barrel of a charged airgun is just as stupid as looking down the barrel of any loaded gun