Jevyod,
You don't have much to worry about. I'll correct a few minor points. Gyroscopic stability factor is defined as breaking even at 1.0. So anything 1.0 or higher will not actually tumble, though they will not typically shoot very precisely that low. Sierra recommends 1.3 to 3.0 for "hunting accuracy" and 1.4 to 1.7 for best match accuracy.
Spinning too fast creates three problems. Already mentioned is actual disintegration, which can happen to very fast, lighter construction bullets. Another is core stripping. This is where the bullet jacket's grip on its lead core is not great enough to pull the core up to the jacket's rate of angular acceleration, so the lead slips inside it. Because the jacket engraving looks like speed bumps on the inside, this beats the lead our narrower and loose inside the jacket, so when the bullet exits the muzzle not only is it no longer unitized, the lead is spinning more slowly than the jacket and the two have to come to an equilibrated spin rate that is slower than the rifling nominally produces. That can be unstable and even if it isn't that slow, the bullets usually make a pretty scattered group on paper.
Another problem with over-spinning is it exaggerates drift caused by any degree to which the bullet center of gravity is off the bore axis. This is caused by imperfect bullet alignment with the bore and by bullet defects. It used to be the latter was a bigger issue than it is today. Jacketed bullet manufacturing quality in this country has increased a lot over the the last several decades. Oe result is you can spin bullets faster than you used to be able to do before the drift and wobble in flight due to eccentrically spinning center of mass becomes a problem (though you can still find it in some cheap bulk bullets).
Bullet holes will not be made visibly oblong due to over-spinning. It is true that the stable bullet yaw angle (yaw of repose) increases with spin rate, but a normal value is in tenths of a minute of angle early in the bullet's flight, growing to perhaps a full moa at 1000 yards, by which time the bullet's trajectory velocity has decreased much more than its spin rate has, causing stability factor to increase. A grossly overstabilized bullet might reach several moa of yaw, but you're not going to discern the oblongation of the bullet hole by an angle that small without optical comparators or other special instrumentation.
The stability calculator used by Berger is very similar to the one Don Miller devised by adding modifiers for atmospheric conditions and velocity to the Greenhill formula. That is
available at the JBM site. The JBM site adds and argument for a plastic tip, while the Berger site adds and argument for BC. The latter takes into account the overturning forces and is probably the better approach. The JBM site, however, has a convenient and fairly extensive
list of bullet lengths worth having access to.
A still more rigorous stability calculator that requires more information about the bullet is based on Robert L. McCoy's program, McGyro. It is
available on Geoffey Kolbe's site. The results are in graph form, so you have to adjust to that. I think Berger's use of the BC is meant to replace the drag estimates produced by that information. But what McGryro does, IIRC, is also estimate center of gravity location and moments of inertia of the bullet, which should make the estimate more accurate.