I fully agree with what you posted, but it is not allowed. We MUST use the table values, applied at the SES. Even if we could use a value at the transformer there would be significant inaccuracies because the transformer and lateral sizes generally aren't determined by the utility until well after the plans are submitted to the AHJ. The utilities require a contract before they start design work, and then it takes several weeks. Both transformer and lateral sizes are based on the load the the utility expects, not on the NEC calcs or the ampacity of the SES. I don't agree with the approach, but it is what it is.
I just did a design in PG&E territory. They don't publish tables, but expect you to call and ask. The project manager contacted them and they declined to provide any information until they had a check in hand for their design.
I wish the NEC and NESC were coordinated, or at least that utilities were required to provide information required to produce an NEC compliant design. That's clearly not the case. Most utilities in Arizona are prohibited by the Corporation Commission from providing high demand data for a service without written releases from each meter holder, and they can be very picky about whose signature they accept. Trying to get a signature from a corporate officer for a tenant space for a national chain can be daunting. I fail to see how demand data is a privacy issue (what does it really tell anyone, and the data for the current period is in plain view on the meter), but again, it is what it is.