I design the framing to resist the code prescribed live loads and lateral loads in addition to whatever other live loads exist due to special functions and the dead loads imposed on the framing. Based on recommendations heard at AISC seminars, I use as many common beams sizes as possible to reduce the number of different connection types and to create as many repeatable fabricated components as possible. mass production reduces costs. about 8 years ago, a client (architect) accused me of overdesigning a single story commercial building. The client said, "you must have stock in W14x22 beams because you used them everywhere." that wasn't true because there were larger and smaller beam sizes used, but I did use that particular beam size in several places where a shallower beam with lesser weight per foot might have worked. also, the architect complained that I used W8x21 columns everywhere and the footings were too big. again, not true, but I did use a common column and footing size alot for similar reasons I used a common beam size. I told the architect that they could have the framing and foundation redesigned and if the other designer could create a design less expensive than mine, I would refund my design fee. They took me up on my offer. the structure was redesigned and cost estimates were made on that design. My design was less expensive by about 15%. I got my design fee and a longtime client, even though the client paid the other engineer, too. Maybe I was lucky but since then, I have not heard comments that I overdesign from anyone and I have not changed the way I design. I don't know about a rule of thumb because each building is different. the Means cost estimating handbooks might have some kind of rules of thumb, but I'm not aware of them. Developers use rules of thumb to lock into a GMP for their clients. If you work for developers, they might be the ones complaining because it's my experience they underbid stuff anyway.