If you weigh 200 lbs you could ski on a binding that goes to 10 but is not really meant for heavy skiers. It will not clamp the boot well and you'll get some play at high forces on hard or in heavy snow, or during abrupt changes in direction. Anywhere you apply significant force.
Maybe think of it like tires. Different tires will work but one may have higher performance.
I hear what you're saying but this is my point. The binding holds the boot to the ski. It does this by clamping down on the boot at the various contact points. It's an oversimplification but the points of contact resist lateral forces on either side of the toe and heel and resist upward forces on the tops of the toe and heel. The act of skiing applies forces at each of those points and the binding counteracts those forces until it doesn't...the point of release. Before the release I don't see what a binding that goes to 13 is doing differently from a binding that goes to 11 or 9.
The tire example doesn't really change things. Higher performance tires will offer higher thresholds of performance. If you will be driving in the snow or are taking your car to the track, you will be doing something that may exceed the threshold of performance for a certain tire where another tire would better suit your needs. Similarly, if you need to set your bindings at 13 for whatever reason (weight, height, ability, type of skiing), then you are exceeding the threshold of a binding that goes to 11 and you need the stronger binding. But, when we're talking about the person with a release setting of 6, we're not talking about the thresholds of performance for an adult binding. Pretty much any adult binding goes above 6.
Two chairs are both rated to hold 300lb sitters. One is intended for a second empire salon. The other is intended for circus duty. Should they be the same? No, of course not. The single specification of sitter weight is the only point on which the two coincide. No other point of usage will be similar.
But we're not talking about other uses. For sitting, if both chairs can support 300 pounds, then a 300 pound person can sit on either one without the chair failing. It seems to me that bindings would be similar. If a binding can keep the ski attached to the boot under a certain amount of torque, then it will do so. While I completely understand how a stronger binding can be set to withstand more torque than a weaker one, I don't understand how they would perform any differently if they are both set at 6.
A binding is just an assembly of materials. The binding will behave according to the laws of physics but it will not "know" if the skier is 150 lbs. or 200 lbs. It will not "know" if the skier is an expert or beginner. All it "knows" are the forces and torque applied to it and it will release when the those exceed the release setting. The original post makes a distinction between "release" and "retention." I guess this is at the root of whatever I'm missing. To me, everything before "release" is "retention." So if you find you should release at 6, how would you experience a difference between a 3.0-11.0 binding and a 4.0-13.0 binding, whatever your size or weight?
I'm not sure this isn't a case of industry upselling. Yes, there are skiers and circumstances that necessitate a stronger binding and it's totally understandable that they would charge more money for stronger springs and materials. But that doesn't mean that everyone has something to gain by moving up the ladder. To test this, I just dug around the websites for Marker and Salomon as examples. I read whatever they had to say. As you move up each binding series, the DIN ranges increase. That is the only precise indicator of binding performance. Other than that, there is language like "lighter," "advanced," "performance" and "versatile" but it is all extremely qualitative. Some have recommended weight ranges but the ranges are huge. For example, the Marker Squire has a DIN range of 3.0-11.0 and recommended weight range of 65-240lbs, and the Jester with a 13.0 max DIN has a max recommended weight of 265lbs. I would imagine if there was a reason that a 200 lb. skier with a suggested DIN of 6.0 shouldn't be on a binding that maxes out at 11, then the manufacturers would be saying so. If there was any concern at all, wouldn't the engineers and lawyers make sure it was clear? Wouldn't the sales and marketing people jump at the opportunity to "require" that more people buy the more expensive binding? I find this to give greater comfort to the idea that if you fit in the DIN range, you're probably OK with the binding.