I think I might fall into this...but in a different way from what people are commenting.

My SO and I track our spending pretty well and the banks defaults for certain spending lines were way way way above our spending. Like I dunno how some people are hitting those numbers.

So we were upfront with the broker and the bank and the numbers lined up. The bank was happy to give us extra because of that.

We haven't brought anything yet, but having a larger buffer is good.

Some banks even adopted a new "poverty" finance baseline which reduces lending capacity, so stuff like that can happen.

Sorry for the vagueness, it was months ago that we had these discussions.