If you are just shooting toad frogs around the house then accuracy may not matter much. At long range accuracy becomes more important. If your bullet likes to be jammed and provides best accuracy there then you can make your decision on whether to accept less accuracy or to hunt with the bullet jammed. Some bullets don't seem to care very much one way or the other.
In beginning a load development it is easier to start with the bullet jammed and then back off which means your pressure decreases and you do not have to adjust powder. If you start with the bullet backed off then as you get closer and closer to the lands your pressures are going to go up. This may not be a big deal if you are not at max pressure when you begin looking for the best seating depth.
In one of my rifles which I hunt with each year the bullets are jammed and pressure is maxed out and it is really accurate that way. Of course I have once lost a bullet in the barrel and had to grab a cleaning rod and tap it out but even so I still made the kill on the animal.
If you believe you are going to need 14 or 15 bullet to kill a toad frog then by all means make sure you seat to mag length.