Good post but slight correction. The OT threshold was reduced from 92-88 in 2015 and the 4.5% would need to be accounted for in analysis.
Anyone who joined after the summer of 2009 signed on for 92 OT thresh and have since seen it reduced to 88. Pre summer ‘09 - 78-92-88 on a 31 day month reduced by three hours for every day short of 31.