There is no reason why, all things being in working order, using box speed should not provide the best possible results for the average shooter in average-contrast light on most photos using the average camera meter. That is what an ISO is; the number that does exactly that. The simple fact is that if most people who metered a grey card or used an incident meter truly got better exposures downrating their film, then the ISO of the film would be lower on the box. Manufacturers are not out to make people have slightly underexposed pix all the time.
The problems come when you pull individuals out of a huge test group. Individuals who are part of the calculation of an average often fall either side of the average. Individuals also usually don't meter as well as the manufacturer. I would say that you should only downrate across the board if when grey card is metered, it is consistently underexposed when read with a densitometer, or consistently prints darker than middle grey when the film edges are manually printed to the threshold of zone 0. This would mean that you are one of the people falling on either side of the average. Additionally, I would say that you can employ downrating situation by situation if, based on an incident or grey card reading, you need a tool to lower contrast in a high contrast situation, or raise contrast in a low-contrast situation, yet still want a direct-reading exposure from your meter.
These are specific reasons that make sense, not an across-the-board easy fix for all situations. You'd do it across the board to calibrate to inconsistencies between camera meters, shutters, hand held light meters, and processing, or situation by situation in order to shift things on the characteristic curve based on the lighting conditions and the desired contrast, yet when you want to be able to read directly off your meter's scale without applying manual exposure adjustments to achieve this end.
The way the person suggested doing it, in all situations at all times, it is nothing but an ass-covering technique for those who don't know their materials, don't know how to get a good meter reading, or don't have time to do so, as even though it is not ideal, it will not "kill" negative film. It is simply a way for the employee to to give you a short and quick answer without having to explain to you the intricacies of film and metering (which I can understand, because it is something that takes some time, explanation, and experimentation/testing to understand, and it is *not* his/her job to teach you, but the job of a school, book, tutor, etc.).
In general, I would not take shooting advice from people who work at a camera store. It's not their job, they are often pressed for time, so will resort to quick rules of thumb to do the teaching, and they often really just don't know anything. Remember: They work in a camera store; don't teach photography. There are many exceptions, but how do you know how to judge that?
If you are going to overexpose in all situations, it should be for some reason other than resorting to a rule of thumb. It should be an across-the-board decision for calibration purposes, or to achieve specific goals in a specific situation, not as a general shortcut to replace knowledge of your materials.