I have one you do not need the rfid to load filament.
There is a hole on the back of the printer, you put filament in it just like any other printer and then tell it what you have.
It doesn't even have a rfid reader back there.
That's in the case you don't want to use the AMS. If you do want to use the AMS it's similar. Open AMS, put filament in, push it into hole, select what filament it is on the touchscreen. If the filament happens to have an rfid tag, you don't need to do the last step. That's all.
I have 4 bambu labs rfid enabled spools loaded now, 4 spools from matter hackers without rfid in my second AMS right now, works great.