When you turn off your car and park it for the day or night, all the oil in the engine drains back into the sump, the coolant cools and the thermostat closes.
In the morning when you start it up and drive it straight away, without giving it enought time to warm up you are actually causing premature wear and tear on your engine.
You may say that warming your engine is an old fashioned way of doing things, but warming up is actually written in most manuals you get when you buy your car. Loading up is a term that means you stress the engine or put load onto the engine, if you load it up when cold, or drop it into drive and drive it straight away the lubrication hasn't had sufficient time to get through all the oil galleries, the engine revs slightly higher as its cold and more fuel is deposited until warm up is completed.
All you need to do is start you car and wait until the temp guage gets to normal operating temp, then drive it. This way you don't stress out the engine, you will get better fuel economy and performance and reduce wear and tear on your engine. This applies to any engine from a ferarri to a lawn mower, regardless what engine oil you use, even aircraft need to warm up before flying, it makes sense to warm your engine up before you use it.