What type of water tank are you looking at?
I have done the civil (not structural) design for about a dozen ground-level, welded steel tanks for potable and reclaimed water. As I recall, all of the structural designs for these tanks used either 62.4 pcf or your slightly more conservative 65 pcf. Also, all of my tanks have been in California, so seismic was a big deal. Is seismic a factor for your tank?
However, if you are looking at a reinforced concrete tank for a waste water treatment plant, ACI 350 mandates higher load multipliers for moment calculations than we use for standard Ultimate Strength design (IIRC, these higher multipliers do not apply to shear and I don't know about hoop tension; unfortunately, I don't have a copy handy to verify). A higher density using standard load multipliers could have the same effect that you are seeing, at least for moments.
Finally, AWWA D100 (2005), which I have on this computer, says, under Sec. 3.1 Design Loads: "3.1.2 Water load. Water load shall be the weight of all of the water when the
tank is filled to the TCL. The unit weight used for water shall be 62.4 lb/ft3 (1,000 kg/m3). The weight of water in a wet riser, which is supported directly on
foundations, shall not be considered a vertical load on the riser." BTW, "TCL" = Top Capacity Level.
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