I have towed both ways (4 down and dolly) over the past 30 years of RVing. I think its a personal preference thing having done both. Now I am firmly in the dolly court as I have saved money on the set up and find the hooking- load out no different than my four down experiences.
I tend to challenge myself each loading of the dolly and of late have been averaging right at 10 minutes. Always seemed to take me that long with 4 wheels down.I could be on the road that fast but then I goof off and tend to go back and check my loading to make sure I got it right and secured. I don't find loading in the rain much different as either way its no fun to me.
I do stop and check my dolly straps after the first 5 miles or so as they will loosen. But usually after a couple more clicks on the ratchets I'm good with no adjustments from then on(I check every stop just to make sure.
I can swap out to a new FWD car every week or so (no I really don't do that) as my wife is picky about the car. No sticks, clutches or 4 wd's allowed by the DW and she likes her compact cars.
I went the swivel table route with electric brakes, spare dolly tire, and a break away switch. Mine has a controller built on to the dolly. Been running her for several thousand miles now and I really like the dolly set up.