I see nothing wrong with running a load to the max. Some I even go over but all the time looking for warning signs. One of the tools that has been a big help is a chronograph. I use it all the time in load development. In cases where I have gone over max loads it was because the chronograph showed a load going 200 fps under what it should be, all things being equal. I've found this happens with Varget mostly. Actually I've never had it happen with any other powder. This is one of the reasons when buying a new container of Varget I rework every load that uses it. If you're content shooting a load at the midpoint of the charge more power to you. But I have seen many times where someone complains about a load key holing and it turns out they are below a minimum charge. These people should not be reloading.