I remember reading an article in either Structure Magazine or Structural Engineer that discussed wood handrail posts for decks. After numerous tests of different configurations, I think only one passed the equivalent test for the 200# load. The configuration was running the 4x4 post down into the joist framing, either inside or outside the band, thru bolt through the band and use a Simpson HD2AHDG on the bottom bolt, which then bolts into the adjacent joist.
I think this is the only configuration that past except for extending the columns up to use as handrail posts.
My parents were having a deck built and it was half done until I interviened. The contractor was toe-screwing, 1/4" screws, two in each face of the 4x4, the 4x4 post to the top of the framing. He would add flat blocking as necessary.
He said he had built hundreds this way and said the handrail meets code and would hold a 200# load. I then gave him a test to do. I asked him how much he weighed. 185 lbs. Then I told him, using the same screw pattern, screw the handrail post to the face of the 6x6 column (15' tall deck), just below the band (so that it sticks out horizontally out from the deck)...the walk out on it. If it holds, I will allow you to install them your way. Needless to say, they were installed my way.