Why do I need the extra length? Max OACL is 2.860. Understanding that there are times to go beyond the published max, when am I going to need the extra 3/8"? Honest question.
Need is a relative term but I can give you an example where the extra length could be used. The less bullet you have in the case the more space there is for powder. If you seat a 180 gr TTSX bullet where the base of the bearing surface is even with the neck shoulder junction, your cartridge length is going to be about 3.1 inches. There are many more examples.
If you don't reload that extra length will be wasted. If you reload and want to have a custom chamber, you can get some benefit from the extra length.