Perspective of an instructor who also works from time to time as a DM on charter boats:
As an instructor, I’d say:
—Being optimally weighted (neutral at the end of the dive) improves efficiency and control during the dive. If you are overweighted, you need extra air in your BC to stop your descent before you hit the bottom, and the tendency of that air to expand/compress in response to small variations in your depth will have overweighted divers relying on the inflate/purge buttons instead of controlling depth through breath control.
—Most divers who use more than expected amounts of weight could use less weight, often much less weight, if they did their weight checks while completely relaxed with slow breathing, no arm sculling, and no leg kicking. Most group OW classes do not take the time to get everyone relaxed enough to do an accurate check. (That’s one reason I focus on private/semi-private lessons and one reason the extra cost represents value to the customer.)
As a DM on a boat, my perspective is slightly different.
—I’m not going to conduct a buoyancy clinic in the context of an group excursion dive charter. If you present yourself as a certified diver with recent experience, I’m going to let you dive your dive unless you give me a reason to doubt you can do it safely.
—Although optimal weighting and lower air consumption rates are ideal, recreational diving is not a contest to see who can use the least lead or air. Carry the weight you need, use a tank with the air you need, and enjoy the dive. Eventually, the weight and air you need may decrease, either through practice or taking a PPB course, but don’t ruin today’s dive for yourself or your buddy by artificially accelerating the process.
—What you need theoretically and what you need today given your skill, experience and comfort with today’s conditions may be very different. Anxiety over more chop or less vis than you’re accustomed to may increase the amount of weight you need.
—I am much more concerned with the safety implications of uncontrolled ascents by underweighted divers than the negligible chance of a diver carrying too much weight to ascend. My biggest safety concern with a heavily weighted, high body fat customer is the climb out of the water.
—People are different, and I’ve been surprised in both directions by the amount of weight people need. My inclination is to give you what you ask for unless you ask for something crazy— and the warm water numbers you mentioned aren’t crazy.