Just bought a Tikka T3 Lite S/S....in .243......very happy with it. Tikka website states that the magazine capacity is one in chamber and three in magazine. I have tried one in chamber, bolt closed then tried to fit the magazine. Was very stiff so I didn't force it. Only curious.....would never need four ready to go.
Also....as a relative beginner...was shown how to stalk with my rifle 'underloaded'......in my case with the T3 this means bolt closed on an empty chamber and and the magazine holding two rounds in place...as mentioned above...I cannot get the magazine with three rounds to fit in against the closed bolt.......is this 'underloading' considered good practice generally??