inveterate non-topper-offer
I don't usually top off; at work it's due to the administrative hassle of the extra round, and at home due to reliability concerns and--I'll admit it--laziness.
With my 1911, I carry an eight rounder cocked and locked, with two 10rd CMC spares. As for statistics, it's not a matter of how many fights were stopped with nine rounds; it's how many more fights were stopped at the ninth round than at the eighth.
I do rotate the top round frequently, and check for bullet setback. However, in eleven years of carrying CCW, I only once had a round shortened by frequent cycling, which was a 115 gr 9mm Win Silvertip in my P-11.
Thanks to unit-funded Mag-Pull rebuild kits, I load 30 in my 30 rounders with zero malfunctions to date--except when initially chambering a round without seating the mag hard and when, for grins, I've tried topping off. I think, due to the longer skirt on the Mag-pull follower, there's more pressure when seating a full 30 against a closed bolt. Carrying Army style, chambering a round when leaving the wire, I'm totally comfortable with 30s. If I ever have to carry my M-4 with Air Force rules ("bolt-forward load!"), I'll probably stick with 29 or fewer to be safe.
I NEVER top off my P-3AT; it just won't run with 7.