Unfortunately a lot of companies push you to take the minimum for the conditions on the day.
Ah yes, but they usually tie it in with a little gem in their ops manual stating that although it is not encouraged to take excessive amounts of fuel it is still the PIC's responsibility to ensure they take the right amount of fuel for any given scenario.
So you are damned if you do (by the company) and damned if you don't (by CASA, the company and no doubt a lot of upset passengers and their families).
I think I'd like to stick to the first option and be damned only by the comany for carrying "excessive" fuel which my ops manual allows for because at the end of the day it is deemed the PIC's fault if you don't.