Published load data will vary depending on the test barrel fixture used, groove diameter, barrel length, brand of brass, primer, bullet diameter, bullet nose profile/ogive, bullet seating depth, OAL/COL which all affect chamber pressures and muzzle velocities. Over time, powder formulation can change and powder manufacturers are first to update load data (Lyman #49 still published some loads with different charges for W231 and HP-38 which indicates to me they are publishing older test data).
In general, older "paper" published load data by bullet manufacturers often listed higher start/max charges as they used older pressure testing method and newer online published load data by powder manufacturers list lower start/max charges as they used newer pressure testing method. (Many claim this is due to lawyers).
But in the case of W231 load data and 115 gr FMJ, it's the opposite. Perhaps it may be due to Hodgdon, in March of 2006, being licensed to sell Winchester powders and load data for W231 and HP-38 merged where HP-38 load data showed same for W231 -
https://www.hodgdon.com/company/about-us/
Older 2003 Winchester load data lists 4.4/4.9 gr start/max charges for unknown OAL yet current online Hodgdon load data lists 4.3/4.8 gr start/max charges for 115 gr Lead RN sized .356" with very short 1.100" OAL and 4.7/5.1 gr start/max charges for 115 gr GDHP sized .355" with 1.125" OAL.
Same is true for 124 gr FMJ where 2003 Winchester load data listed 4.2/4.5 gr start/max charges for unknown OAL yet current online Hodgdon load data lists 4.4/4.8 gr start/max charges for heavier 125 gr FMJ bullet loaded to very short 1.090" OAL.
For my load development using smaller diameter .355" 115 gr Winchester FMJ (My old 9mm reference bullet) and slightly larger sized .3555" 115 gr RMR FMJ (My new 9mm reference bullet), at 1.130" and 1.110",
I felt comfortable testing up to Lead load data max charge of 4.8 gr as I was using smaller diameter FMJ bullets which leaks more gas at the same OAL (Please note current Hodgdon jacketed load data for 125 gr FMJ max charge is 4.8 gr of W231).
Of course, as I already posted, as long as you have reliable slide cycling and acceptable accuracy, you can stop the powder work up at any time. For me, I chose to test 4.6, 4.7 and 4.8 gr charges and accuracy trend showed smaller group size from 4.6 to 4.8 gr.