It doesn't require metagaming. It just requires a character who isn't too concerned about rushing through the MQ and who likes exploring. I had a mage character who went to Winterhold after Riverwood (since you can find out about the mages' college from Riverwood) and once he'd joined up, he did a lot of exploring around to hone his skills (and also looking for the barrow that went with Brina's claw). Found Septimus by accident. Hadn't even given the dragonstone over in Whiterun at that point.
True, you can find it via exploration, and my current character did so. He didn't go inside, though, as he doesn't yet know Septimus actually matters.
In this case, metagaming means 'acting on knowledge the character could not possibly possess at the time', and the whereabouts of Septimus, let alone that he's actually important to the MQ, are such an item of knowledge. Thus, even though you, the player, found his hideout, it would be breaking RP (and therefore metagaming) for the character to bypass the College.
For what it's worth, even though I tend to have an RP for each character, I often bypass the College on those that don't use magic; I tend to fudge it by telling myself that whoever I spoke to about the needed item told me about the nutcase in the iceberg.