zr60,,,,I'm slightly different than most of the others when building test loads for the smaller case rounds...I drop back from the Max Published load by one full grain and then build in .1gr increments
It depends if you are loading for precision accuracy, as I do, or general field hunting where a point of impact deviance by 1/4 inch probably won't make a major difference..
By using the .1gr increment, I tend to cover the possibility that my group is as tight as possible the first time around and usually, my most accurate loads fall between .4gr and .7gr below the published max data...I've tried loading in the .3-.5gr increments and wound up having to back track on loads between two potentially 'good' groups to find the one in between that I missed the first time around...
When I consider that a trip to the range is an hours drive each way, the cost of components used initially is less expensive than a 'do over'...