A couple of points. I have seen write ups by Hodgdon adressing the "Lawyer Factor" specifically. Long and short of what they said, pressure measurement technology is FAR superior to what it used to be. Brass is much stronger and generally harder, actions are built to tighter tolerances, primers are hotter and powder tends to be more consistent in burn rate from batch to batch. They retested many thousands of loads, and adjusted their load data to match the new pressure results. They aren't fudging when they say a certain load hits 65,000 PSI. They have also said that when you are starting to get hard bolt lift you are at least 10 to 15,000 PSI over. That isn't Proof Load level yet but certainly not what I want to do.Most reloading manuals have been lawyered down in resent years. But do not jump on me yet! Powder changes and brass has become better. I,ve got loading manuals frrom1960. They put in on average about two grains of powder more than todays manuals. Friend shoots 54. Something , in his 30-06 with 168 Hornady Amax. About two grains of IMR 4064 over book max. Been doing it for 40 years. Still has all his fingers and both eyes. That being said , stiff bolt is what I look at first. Loose primer pockets is a dead give away.
If it comes to believing them with all the gear they have, and believing posts of people on the net I have never met I can pretty much tell you which way I plan to go.