Actually, I run pretty high up on my .44s, but not quite all the way up even by my reckoning. Middling on the .45 ACP because it has to feed through a bunch of different guns, and light on .38s.
The listed maximum charge was only maximum in their test gun or fixture based on their protocols, etc., etc., etc. It may be maximum, below maximum or higher than maximum in your gun with your lots of components under your atmospheric conditions at your elevation above sea level.
There is absolutely a never-exceed. That's why they have those words at the top of the column.
The bolded part is why I stick to the lowest of those numbers. Sure, I may be leaving some performance on the table, who give cares? Going hotter doesn't shrink groups, and they're not sticking in the paper.
No, no, no and no for the reason I outlined above. A lot of your thoughts and conclusions are base on you viewing the information you see in the books as "recipes" and not as data. Minimum charges do not concern me. If you feel you are approaching the "ragged edge" of maximum loads for your gun, you really need a chronograph to help you.
GET OUT OF MY BRAIN.
Actually, no, you're not psychic. Whether I weigh every charge or blitz along checking every 10th has to do with statistics and powder/weight selections. For instance, if I decide to hate myself one day and load 700-X into .38 Special, then I know I have to weigh every single charge or at least eyeball it. This is because my powder measure is unhappy trying to dispense a 3.0-grain charge of that bridge-crazy powder. It's usually within .1 grain, but the distribution is wide and the chances of a squib are high.
Switch over to 2.8 of Bullseye, or put 4.4 grains of 700-X into a .45, and I can go about as normal.
Same deal with .44 Magnum at the high side. If I'm running 10.7 grains of Unique, I have a lot more leeway on either side than if I'm using 11.4 (my preferred load), or if I decide to crank it all the way up to the 11.7-gr "Never Exceed".
Chronos are great for telling you whether your powder is unhappy, either through suddenly non-linear velocity gains or wildly inconsistent velocities. But you're not observing pressure directly, and velocity isn't necessarily tied to pressure, even within identical powders, guns, and conditions. To make matters worse, you're not even looking at what the velocity actually is, you're only seeing the velocity your gear is detecting.
I do agree that pressure signs do not necessarily manifest themselves even at Magnum pressures.
Here is an example of how much maximum loads can vary between guns. Back in the day, a very powerful but considered "safe" maximum load for the .357 magnum was 15 grains of Hercules 2400 below Lyman #358156 155 grain swc with a standard primer.
A lot of the old .357 Magnum loads were reduced, ironically, because they were re-tested with better equipment. The problem with the old CUP copper-crusher method is that it's really bad at detecting pressure spikes. So if you had a charge that delivered 35,000 CUP, but briefly (in charge-burning terms, heh) spiked to double or triple that, the copper cylinder wouldn't show that.
But if you look at it with modern electronic methods, it shows up plain as day and makes ballisticians turn white.
P.S. As far as losing fingers, again, those types of catastrophic accidents are cause by the previously mentioned human errors. Keep in mind the proof loads are 30% above maximum SAAMI maximum pressures. You won't blow up a gun with a quarter grain overcharge.
One, some of the variations in load data I see are a bit more than a quarter grain.
Two, I still don't want to run proof loads, or anything approaching them, through my gun.