BOAC, a very experienced airline pilot, says it as it is.
The problem you get on here sometimes, is people quote the law out of context.
An aircraft commander has the authority to load the fuel.
So if I, as a PPL, decide to take the maximum fuel that my aircraft can carry within the weight and balance envelope and other considerations, then I am spending my own money and there are no comebacks.
However, when you are flying other people's equipment, you have to work within commercial considerations (which on include safe flying), so that is the context.
The definition of 'more than necessary' in the event of bad weather' and the definition of what is enough is something I will leave the pros to discuss
