I've never had a bike with a triple, but are the chances of accidentally cross-chaining lower with a triple?
Probably. If you're on the inner ring, it means your want lower gears, so you'll probably be on the bigger sprockets. It would be a bit weird to be on the inner ring and end up going all the way to the smallest cog. Even if you did, you would probably get some warning in the shape of chain rub. On my set up, if I'm on the inner ring, I can use the four largest sprockets fine. When I move to the next one I get a little chainrub (on the front derailleur). I can trim it out fine, and sometimes I'll stay there, depending on approaching terrain. But usually it's a sign to move back to the middle ring.
I mean - I inadvertently cross chain big-big quite frequently with my double, because I'm careless, and it's no big deal anyway. But is it less likely with a triple? If it is, and you can trust yourself to be careful, that's another reason to eat into the stated capacity.
When I first built up this bike I lived on the middle ring. As I get stronger and dare I say it, a better cyclist, I'm using all three rings a lot more. In fact I try to use the other two partly to even out the wear. And the nice thing about a triple is you can keep a far straighter chainline - there are three dead straight combos (though if that makes much difference in terms of wear is another question).
As I said, I originally built this bike well outside of the stated RD capacity and was actually quite pleased that I could go through all 27 combinations just fine. I didn't actually notice that small-small rubbed, presumably because I only ever went into that to prove I could.
The inner on most triples is the "get out" granny gear, and you'll be very well aware you're in it, so unlikely to completely cross chain, small to small.
The outer ring is the more dangerous one, in that big-big without enough capacity can break things, including the rider. But so long as there's enough chain to allow big-big I don't think it's a big problem, I don't think that rubbing with small-small has ever thrown anybody off.
These days I'm running 11-34 with 48-38-26 and an XT RD-M772, so I'm bang on the stated capacity of 45. I'm tempted to move up to 12-36, which would put me one outside capacity.
PS "You" in this post means "one", as in somebody riding a bike in a given scenario. Thought I better be clear. I know how sensitive some people are to perceived personal "insults"