Is being a little over GVWR no worse than doing 60 in a 55?

Repeat...it boils down to risk management decision (gambling) from someone who
has to ask this type of question

I'll always provide a conservative, by the book advice to anyone asking
this level of question...as the old salts won't/don't ask that type
of question

It is like standing at a ski trail head with choices of 'expert', 'black', 'blue', 'green'...

Then tell the newbie who belongs on the 'green' slopes to take the 'expert' run...because
I've been taking that for decades with no problems...