Alot depends on the length of your barrel. Most factories test fire out of 26" barrels, which well help out with speed. I know I don't shoot out of 26" pipes, if you don't then don't expect factory speeds. And, as said, it will depend on the specs of the barrel. Most factory ammo is loaded too far under max... I'd say 5% under max load is a little on the weak side for factory ammo.
I don't care too much about raw speed... I'd much rather be as accurate as possible. I don't want to lob it in either. Either way, I'm in luck, my rifle likes em' hot. I've found my best load for accuracy is only about 1.5% under max load. I would really rather it be a little lower. Brass may last a little longer.