No, I get 41 or 42 frames of Fomapan 100 plus leader and taped end in a reusable plastic cassette. It isn't a tight fit, and doesn't give an empty slot in the negative sheet or worse, a single frame occupying one slot which I find really annoying. Foma is one of the thicker emulsion and lies dead flat, unlike TX-400.
Well loading film directly on the cassette spool requires at least 2 to 3 extra frames for each roll not counting the leaser. I appreciate what you are saying but the average person loading a regulation reloadable cassette will not get your figures. Glad it works for you but it is not the usual case.
When you put more than 36 exp in a cassette you run the risk of either damaging the film or the camera. Doing so with a camera with motorized wind seems to be particularly risky for me. Then there is the film counter that in most cameras only goes up to 36 exp.