I assume that the rationale for not including the tip is that it adds very little weight. My assumption would be that the error from not including the tip would be negligible for heavier, larger caliber bullets (150gr 308 for example) but might be more significant for something like a 32gr V-Max 204.
Anyway, ignoring it for stability purposes is not related to its affect on BC. It's affect on BC would be because of "streamlining" the bullet. Whatever it might do to stability is completely different.
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