I think it's just a design issue and not a bad practice to only load up a circuit to about 80%.
Why though?
Unless otherwise marked, circuit breakers should not be loaded to exceed 80 percent of their current rating, where in normal operation the load will continue for three hours or more.
Because the breakers we use are not designed to be run at 100% for 3 hours or more.
From the UL General Directory (The White Book) to you
CIRCUIT BREAKERS, MOLDED-CASE AND
CIRCUIT BREAKER ENCLOSURES (DIVQ)
I realize that... but in the residential world continuous loads are far and few.