Think of it like this: I you get infected with 10 instead of 1.000.000 of a virus that grows x10 each day, your immune system has 5 extra days to fight it.
[Disclaimer: I'm a random software guy who reads a lot, not in any way a virus expert]
The hamster study did not show a big difference in outcome with higher viral load, contrary to what the article suggests.
If you trust in the science of viral load not mattering, you will pick randomly when given the choice of having 1 or 5 novel viral particles placed in your nasal cavity. Nobody sane trusts that.
Yes, viral load is correlated with higher severity for majority of flu-like illnesses, supported by research. Even if this coronavirus is somehow different, combating viral load is still beneficial for avoiding viral viral co-infection (getting COVID-19 with severe influenza on top).
There are certainly plausible mechanisms for the dose severity dependence hypothesis to be true, but with fast-replicating viruses I think the parsimonious assumption is transmission chains are dominated by a single event.
https://www.latimes.com/california/story/2020-07-21/masks-he...
Variolation is much safer than being exposed to smallpox in the normal way:
It is possible that you need a minimum viral load to elicit an immune response at all and if so, the virus would first need to replicate to that level in vivo.
I think their health is more relevant than habits in this case. I would guess that people who know they get sicker than most will be more cautious than average, they've been dealing with it their whole life. Maybe not totally independently of how their health habits are taught to them, but I bet a lot of it is just experience.
People know their bodies pretty well, even if they don't try very hard.