I do the same thing with handgun loads that I do with rifle loads... Which is actually the opposite of what you do....
I look at several official sources and start at the LOWEST low and work toward where I want to be, rarely exceeding the highest max load published.
Admittedly, nowadays with QuickLoad for reference, published data is little more than a sanity check against Quickload predictions. So I don't necessarily follow this exact pattern anymore.
Still happily answering to the call-sign Peetza.
The problem, as you so eloquently put it, is choice.
He is no fool who gives what he can not keep to gain what he can not lose.
-Jim Eliott, paraphrasing Philip Henry.