Your Speer manual probably says 'Max Cartridge Length 1.175"'.
That means exactly what it says.
But bullet shape determines what will fit in your chamber without the bullet ogive striking the rifling leade before the cartridge is fully chambered.
If you further notice, each bullet weight and shape has a different OAL as tested.
It is true the Speer 185 Total Metal Jacket is shown as 1.275".
But it has an exceptionally Long nose shape for a 185.
You might notice the lead 200 SWC next to it is shorter for weight, and was tested at 1.185".
The 185 Gold-Dot is shorter still and was tested at 1.200".
So unless you are using Speer bullets, don't rely on Speer, or any other reloading manual OAL.
Use your guns barrel as the gage, and determine it yourself by what will fit in it, and what won't.
(With the bullet shape you are using.)