The reason for the fishless cycle of 4/5 ppm is to allow a full stocking at the first go round, as it is actually safer to load all at once for folks who don't have a quarantine tank for new arrivals. Better to wait a little longer for the cycle to finish properly, and load all at once, than to add them more slowly, have the bacteria die back (or go dormant, not sure which actually happens) and then add a bunch that introduces a disease later.
By introducing them all at once, you take a chance on a disease only once - most LFS run their entire stock on a single filter system, so the odds are that if a disease is in a single tank, its in all of them. Granted you still need to watch for ammonia spikes, as always when adding new fish. If a spike happens, then you complete a 50% (or whatever is necessary) water change to deal with the ammonia and keep a close watch on it.
Some will only do the fishless cycle with 2/3 ppm. In that case, you stock more slowly, but in these cases, its best to have a quarantine tank to put new fish in and monitor them for about 2 weeks watching for disease before putting them into the main tank.