I've been building load bearing walls with the header located at the top of the desired window or door opening, but have had a couple people comment on how I should be putting the header directly below the top plate to save time. I find it actually takes more time to come back later and toenail a horizontal 2x6 exactly where I want the window or door opening to be and then later curse myself when I want to attach j channel or 5/4 trim on the top portion of the window since the window flange uses up most of the 2x6 I have used for the opening.
It seems this doesn't matter in terms of structural support as long as people put in the cripples below the plate and above the header to connect the load transfer.
Is there any other reason I should consider keeping the headers at the very top of the walls? I did read that span ratings vary if the header is connected to the top plate vs only connected to the king stud and cripples.