The position of the hammer or cock when the gun is at half cock depends on where the half cock notch was cut on the tumbler and the length of the sear nose.
It does sound like your lock's half cock position would be nice for putting the cap on the nipple but in my opinion, that's where the hammer should stay after capping the gun.
Walking around with the hammer sitting right against the cap on the nipple is asking for problems.
Just a stout bump on the hammer could cause the cap to fire if the hammer is just resting on it.
As for wear and tear on the mainspring, that's shouldn't be a great concern.
Although springs do weaken if left in a stressed condition it takes years for much to happen to them. A few months of being flexed over the lift of the lock shouldn't cause any problems.
Take for example the springs in your car or truck.
They are loaded fairly heavily even when the car/truck is unloaded and it takes years before they start to sag.
I will say that I would much prefer to have the half cock notch on my guns holding the hammer/cock as you've described rather than having that dumb half cock position that comes on Thompson Center or Lyman GPR guns.
With those, the face of the hammer rests about 1/16" above the top of the cap when the gun is set at half cock.
That means the only way to cap those guns is to bring the hammer/cock to full cock position and then lower it all the way down to rest on the cap before bringing it back up to a somewhat safe condition at half cock.