I hear you. Common sense would tell you to NOT pound black powder. But a 500gr bullet NOT properly seated on the charge could be bad too. When pushing a minie down a fouled barrel there is considerable resistance just like with a PRB, so one wouldn't worry too much about it moving once seated. However, with a clean barrel, a lubed minie will slide right down. Actually the weight of the steel ramrod will push it down. To make sure it stays there, a couple light taps (remember a fairly heavy steel rod) will insure that it's on the charge and also flare the skirt. This doesn't damage the bullet. A little practice and you can feel that it is indeed on the charge. With a clean barrel and minie seated in this manner I have purposely (gun upside down) bumped the barrel on a piece of wood (same as testing if a trigger is safe on a hunting rifle).
Anyway this method does not damage the bullet since the whole purpose of a minie is to have the skirt expand and engrave the rifling, unlike a PRB where the patch is engraving the rifling.
Maybe going on too much about what you already know but it might be of some interest for those who are new to BP.