The million dollar question. This gets mixed responses, but the answer is simple. Loading creatine monohydrate is a method of reaching muscle creatine saturation, if you load with creatine you reach muscle saturation faster than if you don’t load. So by all means don’t load with creatine, but if you choose not to then chances are you will take several weeks to reach saturation rather than a few days after loading.
It’s your choice, just be sure not to overdo it…a good place to start is 0.1- 0.2g creatine per kg bodyweight, this should give you an idea of how much creatine to take per day.