bill a little conservatism here may save lives.
if you have a look at the thread about the ATR grounded at albury.
ATR expected the aircraft to be flown at 180 knots in turbulent weather descents.
it was actually flown at Vmo 230 knots.
probably all that saved the passengers was the absence of further turbulence after the catastrophic damage to the T tail had occurred.
the ATR is a FAR25 aircraft and maybe there was some surplus strength helping the gods. there was a lot of luck in that incident.
I wish you designers lots of luck like that.
an inflight breakup of one of your designs must permanently ruin your outlook on life.
(btw a pilot should expect Vd only. the rest is a lottery)