DA Aquamaster, could you cite your sources for this information? That way, we could check for ourselves, and it gives credence to what you say.
SeaRat
I only took a couple years of aeronautical engineering before I figured out I liked flying them a whole lot more than I'd ever like designing them, but it covered the basics of metallurgy. Look up the terms "fatigue limit", "elastic limit" and "plastic limit" in relation to carbon steel and draw your own conclusions.
Then perhaps consider why the DOT will crawl all over a dive shop that overfills aluminum tanks, but has basically ignored every shop in north Florida that has been overfilling 3AA steel tanks for the last 20 plus years. I don't get the impression the DOT is all that concerned - probably because they've most likely considered a) the differences between 3AA and 3 AL tanks, b) the fatigue properties of steel and aluminum and c) the lack of catastrophic tank failures in cave filled 3AA steel tanks. The only tank failures I am aware of in cave country were related to dropped aluminum O2 tanks.
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Now to be fair, engineering standards and safety margins don't have a lot to do with a shop's willingness to over fill 3AA steel tanks.
Sadly, we have way too many lawyers in the US, and those that don;t go to work for the government end up looking around for people to sue. Unfortunately, in the US you can be sued for anything, whether the case has any merit or not as those same attorneys are fairly confident that they can still get a settlement even when there isn't a hope of winning the case in court as it's cheaper for an insurance company to sue than to cover the costs of successfully defending against the lawsuit.
Which is to say that most dives shops won't do cave fills as their insurance companies would probably drop them if anything did happen, leaving them totally exposed and probably out of business.
The challenge is different in cave country, as if a shop only filled tanks to their turn pressure, it would be out of business in short order. Thus, they provide cave fills to stay competitive and stay ion business and trust that nothing is going to happen and that they can deal with the lawsuit or limit their liability if something does happen.
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In that regard, I fill my own steel 72s to between 2800 and 3000 psi in my garage. I assume all the risk and I'm comfortable with that level of risk because I ensure they are properly re-qualified every 5 years, I do my own annual VIPs, and I maintain them in spotless condition.
I would not however be inclined to fill anyone else's steel 72s over the service pressure as I don't know the history of the tanks, I don't do the maintenance on those tanks and I don't feel like assuming the liability that would come with filling someone else's tanks.