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As a testament to counter-intuitive API, I did not even realize this about either find_loader() or find_spec() until the bug the other day with reloading submodules. So I'm on board!
As to the best approach, I'll argue for keeping just 1 function. I tried out both ways and in the 2 function approach they simply didn't seem different enough. I've attached a patch (w/o tests, etc.) to show what I'm thinking.
Basically, let's make the "path" parameter keyword-only and rename it to "parent_path" (maybe even "precomputed_parent_path"). The patch takes cues from pkgutil.find_loader().