There's no incentive to spend the labor calculating what you really "need" when you can just do napkin math based on naive assumptions and be pretty sure you're

There's no incentive to spend the labor calculating what you really "need" when you can just do napkin math based on naive assumptions and be pretty sure you're within whatever safety factor the clipboard and vest types insist the thing you are dealing with be rated to. This is all fine until the errors sync up and you get a failure where you wouldn't have gotten one if you had been spending the labor to think critically about it from the start. But hey, the safety vest people get to pat themselves on the back for the rule and implement a new one for each failure, the responsibility chain gets muddied among various parties (insurers and lawyers love that). Everybody wins! /s