Another analogy. 16 to 18 stops? Reminds me of the person who climbed El Capitan cliff in Yosemite, which is about 3500 ft high, but forgot he only had 200 ft of rope when rappelling back down. That started the saying that he had established a "speed descent record". He indeed got back down, but things were awfully messy at the bottom. Anyone who can get more than 11 or 12 usable stops out of TMY, without resorting to heavy-handed compensating development or minus-developing ("pulling"), which crushes the life out of the midtones, must be some kind of miracle worker. It's uncommon to even encounter 12 stops of range in nature, although I frequently do in the extremes of mountain photography between deep deep shadows and glimmering snow or glacial ice, or even around here in the extremes of deep wooded shade and glimmering shafts on light breaking through on bare white branches. The whole point of that long straight line is to employ it wisely, and not as an excuse for careless exposure. In fact, TMax film can be especially unforgiving of sloppy exposure and development. I shoot TMax (both speeds) all the time, in multiple formats. But it's the black and white film I necessarily most carefully meter for. And when I do work in an 11 stop range, I often need to mask to, to get full rich detail and tonality.
HP5 has a moderately long toe, and nowhere near as long a usable straight line as TMax. But the real winners were old 200 speed films like Super-XX and Bergger 200. Current Foma 200 also has an exceptionally long straight line, but won't except expanded development to anywhere near the same degree.
Pulling? Most color films don't pull well anymore. I've fiddled enough with Portra 400 in the darkroom to realize something is just off if it's abused with significant overexposure. Sometimes in photojournalism or street photography etc rules need to be stretched. But there is always a qualitative penalty. Just depends on one's expectations. It's makes a lot more sense to avoid a train wreck than clean one up after the fact.