It may be that your preferences in photography factor in as well - wandering through your APUG gallery uploads I note very few images that I would describe as high key or predominantly based on bright highlights.
And of course if, like I do, you shoot shorter 35mm rolls (24 exposures is my favourite choice when bulk loading) then that tends to get you back closer to the manufacturer's recommendation.
I am inherently conservative about things like capacity, so I am more likely than some to add extra safety margin rather than count on using as much of the margin as possible.
This is probably part of the reason I use HC-110 in a replenishment regime, and have a selection of sizes of tanks to choose from.
I don't doubt that your experience leads you to an appropriate conclusion for you. I'm just suggesting that it is a good idea to recommend caution to others.