I must either have the greatest 35mm reel or the worst 120 reel, because I think 120 is much harder to load. My 35mm reel is made by Hewes, and it has little hooks in the center that hold the first few sprocket holes, so when you start winding the film it goes on straight and easy. My 120 real just has a spring clamp, so it's not held straight. I have a much harder time getting it started. When it's just a little bit crooked it gets all crinkled up. I've never had a crease mark on 35mm, but I've had several on 120.
Paul