The analogy I propose is: a person buys a Ferrari. Its engine is quoted at let's say 300 HP DIN. Then someone drives it mainly on city roads, fraught with perils (e.g. the ones with lights over the top), at no more than 50 Km/h.
So, this person says: "when I drive my Ferrari in town, I rate it at 50 HP DIN". We understand what he means, but it ain't proper technical lingo, you know.
The point somebody made is that the "real" (DIN) power of your engine is the one, and only the one, measured on the test bench, according to DIN specification. This measurement is made regardless of any road, and drive style. It is made "logically before driving".
By the same token, the "real" (DIN, ASA, ISO) sensitivity of the film if the one measured at the "bench". You can use your film at a slower speed, just like your Ferrari. But the "rate" of the film is measured abstractly and independently from any possible print, it is made "logically before printing", just like the HP of an engine is measured independently and abstractly from the way one drives.
That is why saying that one is using an "exposure index" is proper, and saying that a film has a "real" speed, that is different from the "nominal" (theoretical, laboratory, bench) speed, is IMV improper.
But it all is becoming just a discussion about the proper use of words. It is clear to everybody that people to overexpose their negative do it for a very sensible, legitimate, technically sound reason

.
It's just that they fail to express properly what they do
By the same token, if a light meter is 1 EV off, and forces to set a different ISO speed on it, one might say:
"I rate this film at half its speed because it works with my lightmeter. YMMV" and one might say "I have a lightmetre 1 EV off so I trick it by telling it I have a film half the speed it actually has". The second is correct
Fabrizio