The thing that I find really odd is when the FULL roll is perched on top of the empty roll in the holster....how hard could it be to unload and reload??? It's obvious you've seen the empty roll, because you put the new roll on top!
Oh, and the over or under debate? I'm of the school of Over, unless you have a 2 year old that likes to zing the roll to unwind it, then The School of Under. It slows 'em down, but not by much...