Thoughts on 10T trended data does carrying balances really matter?

I only pay for quarterly updates from myFICO I like to read the reports but I don’t really need them so wondering what those of you getting monthly updates are seeing but from my last 9 months of observation… It still doesn’t matter if you let heavy usage report, as long as that usage is consistent. In 2021 I never let balances report… my “trend” was 0-2% This year I started letting about 1k report on my AppleCard based on what the CSR told me about reported balances and CLI… my usage was still about 1% because my limits had risen substantially, this still triggered the negative reason code high balance/usage in relation to historical usage now… if your 18 month historical usage is to report let’s say 10% and every month you let that 10% report your reported balance is no longer high in relation to historical usage your data is now trending as stable “no point loss” on my 9/2022 3b report I had gotten sloppy and had like 4 cards report a balance although this was much less than the 1k I was letting apple report I now had the reason code high number of accounts reporting a balance vs historical data. My 12/2022 only had a single 98 dollar balance report neither the high number of accounts or high usage in relation to historical limits reason codes are on my report meaning going back to AZEO 1-3 months before a major credit decision will yield the same behavior as it does in fico 8 and 9. Are you seeing the same behavior? Or am I simply not seeing enough data points to draw a proper conclusion?