I hear you on this so imagine I have an LT2000 Sears Craftsman and on the lowest setting the clearance isn't like 1 in or 0 in it's like -5 in like this is crazy and that's why when I try and raise it up to the highest setting it's like I'm already out we're down 5 in of vertical height.And with the deck you don't want eliminate too much the deck to mower frame clearance as they got to be able to float somewhat. Without this the deck can slam against the frame and damage things. This causes even more problems as items are bent or worst broke.
Every manufacture has different design and specs. Most of the MTD can drag on the ground and other I have seen get no where near dragging. Basically my MTD built mower can scalp the grass to the dirt if lower the deck to 1 or 2 notch.
When buying a mower the owners should lower and raise the decks to check the actual cutting heights.
And with tire pressures you don't want to be max the rating as the tread are will lose traction due the tread face going flat across to rounded face with the center making contact and the outer edges less contact. Plus it rough on the back as it will be a rougher ride.
Jim