Mechanical disc brake calipers: Removing pads from top side vs bottom side
I would say if it’s relatively simple to take your wheels out then it’s trivial which you go for, ie make decisions on other factors. You won’t be swapping pads out all that often (or if you know you will do, then you might already know which you want). 

If however, it isn’t so easy to get the wheels out, because of a rack or dynamo or hub gear, or hub-drive electric bike, (belt-drive etc etc) then you might well prefer to insert the pads from the top. (Not that I’ve fact-checked whether those model(s) do indeed load from the top.) if you ride in all conditions, commuting for example and will wear pads down quickly then that might be a factor but the decider for me would be how easy it is or isn’t, to get the wheels out of the way.