Okay,my bad maybe.Tripping the main breaker means short curcuiting it.....technicly.If by what you said you mean just turing it off at the panel,yea we are saying the same thing different ways.lol and your right about the hot and neutral....BUT.... i've done work on complicated homes and turning ALL the power off shuts off things like the water heater,sub-pump,security system ETC,ETC.Things that don't like to be abruptly stopped and started.Sooooo.....if you DO know what you are doing its better to just unscrew/screw the breaker live...with insulated tools(hence my first comment)knowing not to touch anything metal in the process.Installing/un-installing and connecting/disconnecting the breaker typically only takes 1 screw,for each process respectivly.