Almost 100% of the time I load to an ogive. There's a sweet spot where you want to be on most rounds. But it also depends on the rifle. For example, if a customer brings me a Browning A-bolt in say, a 300 Win Mag, I know I won't be able to use an aggressive VLD type bullet. The magazine box that the A-bolt's use are way too short, and only have a max COAL of about 3.340". So selecting a VLD type bullet would seat the bullet REALLY deep in the case (and have less room for powder) and have a long jump to the rifling (if feeding out of the mag). This would generally not allow it to shoot as good. We would select a tangent ogive bullet, or a bullet that can tolerate a jump and still shoot well. On the other hand, if the rifle is a 300 WM and we are using an AI DBM (Accuracy International, Detachable Box Mag), I know I have about 3.700" COAL of room in the mag. I can get most any bullet seated close to or touching the lands, and still fit and feed out of the mag. This is why on some of my ammo on my website I list the COAL, so the shooter knows it's loaded out long and won't fit in some rifles.
It's different from bullet to bullet. Some bullets have a short ogive to tip length, and others have a much longer ogive to tip length. Also, some bullets will shoot better having a larger jump to the rifling than others. The LR AB like a jump, and won't (generally) shoot as good on the lands.
You have to understand about ogive's to load ammo correctly. I've seen multiple reloaders load their ammo to the same COAL when they switch bullets and not understand why their new bullet is jamming into the lands and they can't close the bolt.
I've used this picture several times. It's a simple picture that explains the difference. Adding a polymer tip generally lengthens the COAL, depending on the ogive to tip length and if the bullet is a secant or tangent ogive.