In reply to sarahlizzy:
As the videos and other tests show, ring-loading isn't a problem for figure-8's and bowlines with stopper knots. Moreover, the tests do not properly simulate how the loop will be loaded, which in reality will be, in my opinion, a much less severe form or ring-loading than the tests provide.
But the original question has to do with rationale. The rope-loop belay transfers the load to the anchor directly, whereas the harness loop belay induces various twisting and shearing forces on the harness as the belay loop pulls one way and the harness tie-in pulls the other way.
The rope-loop tie-in works best when the belayer's connection to the anchor is snug. This is best achieved by using clove hitches, which are easily and quickly fine-tuned to eliminate all slack. The method is also very effective for belaying the second, since the weight of the fall is transmitted directly to the anchor, with no load at all on the belayer's harness.