I've been out shooting with people who pop primers. They are the clueless ones loading way over the max listed in the powders online reloading tables. I believe that you can load a little over the listed lawyer friendly manuals, but I don't do it to the point of shortening case life. If you feel the need to brag about how fast your bullets go why not just buy a longer barrel and get the same velocity with less powder and stress on your gun and cases?
If you are worried about temp sensitivity. Load and chrono test on hot summer days and then you know that they are safe year around. I always sight in a rifle before using it in case it whacked during transportation or temp change is really great. Changing weather and elevation has a big effect.
I really don't think that a critter or you can tell the difference in a loss of 70 fps. CFE is a powder that can produce very low ES velocities which is much more important
I agree. Max loads are not the most accurate or consistent. Why not back off a little get more accuracy and not put so much wear and tear on your brass and equipment.
If you want faster then pick a cartridge that can get you there without pushing the limits.