It took me a fair amount of reading to figure out where you were coming from on this when you mentioned Windows Plotter files, and all I can say is, whew, talk about over analysis! Just meter your scene for the values that matter to you, and develop it to your liking by keeping accurate, clear, & concise records when you test. Everyone, and I mean everyone, is going to want things a little differently. There are no real standards. One person's over exposure is going to be just right for another person. It's like this all the way down the line, from negative exposure to final print. Really, image making is an intuitive thing, not a huge, standardized science.
And yes, of course, the film will have limits built into it, and those limits depend on which film you're using, how you're exposing it, what developer you're using, etc. But we're far and away from what makes a good photograph at this point.