Do private operators tend to use the same, or is your 1.25 typical?
Canīt speak for many, but I know some that use the 1,67 and some that donīt use any factor at all.
Iīm homebased on a short turf (3323ft LDA), so we could go in there at 1,43 at reasonable weights (we actually use 1,44 for wet runways), but not or only with a few drops of fuel at 1,67. There are aircraft based there that canīt use factors at all.
Only accident we had since 10 years or so was a commercial turboprop...