1. The rule of thumb for focal length being equal to the diagonal of the format is based on taking lenses at infinity. Lenses used at closer than infinity (i.e., greater bellows distance) can be shorter.
2. Four versus 6 elements: I'd rather have a 4 element lens perfectly aligned than 6-elements with some elements off center. Some 4 element lenses are of low cost design; others, notably the El Nikkor 50mm, and the Schneider Comparons (no longer being manufactured) are excellent performers when used at their designed magnification ratio. I have a nagging suspicion that some of our preferences for specific lenses come down to specific examples, where the alignment is exactly right tested against other examples where the alignment is off a little.
Charlie Strack
2. Four versus 6 elements: I'd rather have a 4 element lens perfectly aligned than 6-elements with some elements off center. Some 4 element lenses are of low cost design; others, notably the El Nikkor 50mm, and the Schneider Comparons (no longer being manufactured) are excellent performers when used at their designed magnification ratio. I have a nagging suspicion that some of our preferences for specific lenses come down to specific examples, where the alignment is exactly right tested against other examples where the alignment is off a little.
Charlie Strack

And ALL manufacturer's produce some defective product from time to time. I've worked too long for manufacturers to believe that all production is perfect.
Anyhow, my comment about actual focus (bellows) distance is true: the angle of view makes a bigger circle at closer distances than infinity (as in enlarging) because the lens is farther from the focus plane (and the subject plane, in enlarging). It also gets bigger as the lens is stopped down.
