@M-88 when shooting black and white negative film at “less than rated speed”, you don’t have to think of it as pulling.
Compare that with color slide film. If you shot a 100 ISO slide film at EI 80 or EI 64 you have to tell the lab to pull or else the slides will turn out too light.
With black and white negatives you can make up for the greater exposure in camera by printing down in the darkroom.
So development time can be the same. There is a great long “straight line” section of the curve, and you are just sliding up the curve a bit.