Yes, but you don't plan your network based on actual capacity usage, you plan for a fully loaded network that can serve 100% of dwellings passed along with some

Yes, but you don't plan your network based on actual capacity usage, you plan for a fully loaded network that can serve 100% of dwellings passed along with some spare capacity to serve additional buildings over the expected lifespan of the network (30+ years if you're building an expensive incumbent network, 5-10 years if you're trying to minimize cost). Anything else means you could end up turning customers (revenue) away.