Steve,
There is no penalty for having your FC a little high, while there is a big penalty for letting it go too low. I find that if I run my FC a little on the high side, that I don't have to adjust my SWCG more than a few times a year.. I try to keep my FC at my target or above and do not try to keep my FC between the minimum and target. This also allows me to go longer between tests, as I never have to worry about going below the minimum.
Thanks,
Jim R.