I think it's a lawyer-proof thing, they don't want to tell their customers that they're idiots and probably pulled the trigger on an obstruction.
I wouldn't load down any super slow powders, anything slower than 4831 I would be particularly cautious of with low load densities.
Also in many cases you can go over the max load and be safe. I don't advocate this without the means to test actual chamber pressures (though plenty of people do it), but if you have a longer barrel than the one they used on the test data you're going to get higher velocities. A new bolt action is going to be stouter than a war era semi. Etc.
And if you know what you're about, there's no reason "published max" should be "actual max"
Recipes in loading manuals have been getting lesser and lesser over the decades, too. Not all of this can be attributed to hotter powders. Again, it's a lawyer-safe thing.
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