Not to sound like a broken record but overscoring is horrible in every scenario for every skater whether it affects placements/results or not.
Do you think it would have been appropriate to award Hanyu 100 PCS for that FS because he was going to win regardless of if he scored 90 PCS or 100?
The issue is that people are comparing his previous scores as a justification for this scoring but the question I would ask is:
Never mind what Hanyu has done previously at NHK/GPF, never mind what his competitors did, never mind that he is even Hanyu... If a skater skated that program, and you had never seen them or that program before, would a judge be justified in giving that program 95% worth of program components?
Because the narrative seems to be justifying that score because of the scores he's got for 2 preceding clean competitions not for what he actually put out there on the ice.
Skaters need to be ideally judged absolutely and no judge in their right mind would have given 9.5's across the board if they were seeing that program and Hanyu for the first time, which is how they should be judging it.