Does not "engine breaking" harm your engine?

if i was to stop by holding the clutch in, and braking to stop…and THEN downshifting back to first while stopped, is that bad for the transmission/clutch in any way?? most people tell me this is normally how they stop whether in a car or bike. they say, going from 6th, 5th, to 4th, is kind of ridiculous when you can just coast and break with the clutch and do it while stopped. i agree with them, but i also dont want to get used to doing this if its going to empty my wallet :( first time rider lol