My maximum effective range if I'm feeling good about the shot is probably quite a bit further than the average person so I would probably be more apt to stretch things to the outerlimits of my pin settings, but not beyond.
If I know the range, the animal is relaxed AND I have a pin setting for that distance or under...........I'm shooting.

I can tell you honestly I would shoot further on a calm snow covered nice day than I would on say a rainy one.
Some common sense needs to be implimented but I still wouldn't do anything I felt was "stupid"