so … maybe the original question should have been phrased differently, because I think you hit upon my intention of what I was asking. the other component of many responses seems to be "bridging the gap between theory & practice."
the best example I can use is detailed in the above 3rd paragraph. so, I my black & white world (it's okay, "they" like me there), if a truck was rated to carry 1,000#, it may be to my advantage to use a cut off point a little lower, maybe 925#, so if I had to do any evasive maneuvering it could be assured I wasn't pushing things to the maximum stress point(s).
clear as mud …?