Agreed.... there are different approaches for each make.
Some do inflate them outrageously, while others do the opposite:
OK, edumacation time folks!
For example, EV does things a little different than some other manufacturers.
Most would tell you that you want to match the RMS for a speaker exactly. Others might tell you to add a little extra for headroom.
EV, on the other hand recommends you use no less than the RMS of the speaker, but would prefer you use DOUBLE the RMS of the speaker.
AND if you have a brickwall limiter set up, or can avoid things like a dropped live mic, or a huge clipped peak... They recommend using up to 4X the RMS (which works out to the PEAK rating) for continuous playback.
On the opposite side, I know a few cheaper makes that would likely fry something if you even dared to try to put in 1.5X the RMS! Although in most cases it is better to have more power than less.