This one is well past its sell by date.
I would be delighted to discuss my views with SRG. I don't think it would take long though.
a) The PIC must satisfy himself that the load may be safely carried.
b) Insurers "may" reject any claim after operating outside of the limits defined in the POH.
After we had congratulated ourselves for being in full agreement, we might spend the rest of the time discussing the dangers inherent in pilots who have an unquestioning acceptance of folklore, and an unshakeable belief that what is legal is safe.