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I think that going from the Source Monitor directly to the Timeline is a better method, and does not directly involve the Program Monitor at all, until the Timeline is played.
Typical NLE behavior is to go from the Source Monitor to the Timeline. The Program Monitor shows whatever is in the timeline. If FCP forced you to go from Source to Program, and then to timeline, that is very unusual behavior for an NLE since, again, the Program monitor is supposed to show you what's in the timeline.
What PP now allows you to do is drag a clip from Source to Program, but this will simultaneously add the clip to the timeline because, as I said, the Program Monitor's purpose is to show you what's in the timeline. With most any NLE out there, if it ain't in the timeline, it won't show up in the Program Monitor. And if it shows up in the Program Monitor, then it must already be in the timeline.
Dragging a clip from the source into the program monitor in FCP is just a way of bringing up a graphical "insert" or "overwrite" option. You don't have to work this way, you can just hit insert or overwrite while the clip is loaded into source. This is true of Premiere as well, you can just hit insert and it will drop into the timeline.
In PrPro, it is a much easier trek. One goes from the Source Monitor, directly to the Timeline.
It works totally the same in Final Cut, FCP just has an additional set of buttons for editing that pop up on the program monitor for people that like to drag and drop everything. I think the only thing making it confusing is the (I'm sure unintentionally) misleading sentence in the original posters remark to say that you HAD to do this. You are in no way forced to work that way. I certainly never do.
Dragging a clip from the source into the program monitor in FCP is just a way of bringing up a graphical "insert" or "overwrite" option.
A little more than just that. With the FCP 7 you could also superimpose, replace, add default transitions and fit-to-fill. This last one was a particular favorite of mine for insert editing PowerPoint slides.
I do like the "." and "," keys in Premiere and I know there's a nifty new way to do replace and fit-to-fill. Just wanted to point out that FCP's Overlay Menu had extended capabilities.