What a brilliant trend :) The truth is, hats are far less of a bother than people think they are. Like you said, all the fussing comes when you're on the ground - once you're on the horse, who has time to worry about their clothing or hat unless it's giving them pain? It's one of the reasons why I use physical activity to relax: you absolutely have to disengage your mind from whatever you're worrying about and focus utterly on the horse.
When it comes to the strap ... it is a tiny bit safer to have a loose strap than a loose helmet, but obviously both ought to be snug. You could just leave it unclipped while you're on the ground so it doesn't bother you there.
If you believe everything you read, better not read.