I've been doing this for just as long as you, I have never ever seen a case when a crankcase was underfilled by using the factory recommended amount of oil. I've seen it overfilled plenty of times. The most common mistake dealerships and lube places do is overfill the engine oil. They simply don't do a proper drain and overfill when putting the recommended amount. Or they don't allow the oil to get up to temp, and it reads low, and they accidentally put too much oil in.
Again, if you can show me something that states it is possible, that if you put the exact amount of oil recommended, that you can underfill the crankcase due to temps, I would love to read it and be happy I learned a new thing. I've never seen or heard that before in my life, but with that being said, I respect your opinion and open minded regarding this subject. I'll try to research it myself as well.