It's a matter of 6 of 1, half a dozen of the other. If the component files were saved as a component within a file then they wouldn't work properly when opened directly in your model, they would have a second top layer. A container within a container. It's not just dynamic components.
If you select some geometry and save as a component, it will create a component that you can use happily via the component browser, but if you open the file itself it will be loose geometry. If you open an empty model and insert the component then save that model and upload it to the warehouse, it will then get a second coat if you download it again into another model.
So you have a choice, one way you are over dressed the other way you are naked.