All bike bearings are co-opted from pre-existing industrial supply. They are designed to run at high rpm and all of Hambinis advice is relevant for that environment and use.
It’s obvious that on a bike – which is low rpm use – that if one packs a bearing completely the friction goes up – its easy to feel. In competitive road cycling I can imagine this would be considered a factor.
But, my experience of this in use is that after a short period, a bearing pushes out the grease it doesn’t need through the seal. After this, theres barely any difference in friction, but you can guarantee that the bearing is as full as it can be.
Seals. Its a rubber coated washer with a flexible lip that sometimes nests in a tiny groove, and sometime just touches the edge of the inner/outer race.
Sure, if you’re a ham fisted oaf its easy to damage a bearing seal, but equally its not especially difficult to prise them out undamaged.
Personally, I’m sure I get more bearing life when I pack from new. Virtually all by mtb bearings die from water penetration and corrosion. Decent aftermarket grease prevents this better than the stock fill, and a filled bearing has less void space to allow water to accumulate.