Phil,
Powder charges listed in reloading manuals have little relation to real world loads used in competition such as F-Class. Unlike loads listed reloading manuals, most competition reloaders use significantly greater powder charge weights due to not being restricted to mag length, and that allow them to take advantage of long, heavy, high BC bullets. More specifically, many competitors often have a specific bullet (or class of bullets) in mind when they have the rifle chambered, and thus have the freebore cut accordingly. For that reason, there will usually be some restriction on how far they can effectively change seating depth without going outside the optimal window designed into the rifle's throat dimensions. If the freebore is cut to put a specific bullet at "touching" with the boattail/bearing surface junction seated approximately in the middle of the neck, then they will have about half the total neck length to move the bullet farther off the lands before the boattail/bearing surface will be seated below the neck/shoulder junction. The closer the boattail/bearing surface junction is to the neck/shoulder junction when the bullet is seated at "touching", the less overall range will be available.
Like you, I don't ever like to put a bullet into the lands unless it absolutely won't shoot anywhere else. In fact, I have rarely found it necessary to do so, even with VLDs. I have also made some crude estimates of the increase in pressure from bullets seated into the lands. As far as I can tell, seating a bullet from about .005" or .010" into the lands should only raise the pressure by approximately 1000 psi or so. Unlike a "hard" jam of around .020" to .025", .005" to .010" into the lands is typically not enough to require a decrease in charge weight of even 0.1 gr. Nonetheless, I typically try to mention the notion of reducing charge weight slightly when seating bullets into the lands on reloading forums, just so people reading a thread will be thinking about it. As we both have noted, there is usually more than one approach to most reloading steps that allow one to end up at approximately the same place. It is up to the individual to find out which steps and in which order work best for them.