[cameronh90]

Off the shelf systems aren't only optimised solely for efficiency. They're made to be simple enough that an installer with half a day's training can do a few multiplications and additions to set the parameters that'll give you a tolerable percentage of optimal in the situations that equipment is specified for -- while still being understandable by the next guy. This nearly always means things are a bit oversized and inefficient to account for the things that the simple models are missing.

Almost everything in engineering is like this, not just heating. It's pretty rare that something is fully optimised.