Yeah, I don't fill to the top of the neck. I'm not sure what the issue was with my '12 JSW but one time I filled it to the point that I was actually fueling a puddle under the tail! I always thought since then there might be some vent hole or something near the top of the joint so I only fill to bottom of the neck where I just start to see the fuel, but maybe there was a fitment issue with the neck. It didn't come out the top. My bug is completely different though. Sometimes I get a little aggressive and will literally shake my car vigorously to make more room!
The issue with running the fuel too low for me is that, at least coming from the BMW world, the (gas) fuel pump is cooled by the fuel. In the classic world it was cost prohibitive to risk burning out a fuel pump, which was of lesser concern than scooping up impurities. I don't know how that translates to a modern BMW but I imagine it's probably more affordable to just buy a completely different car
What any of this means in our diesel world I have no idea. From what I think I know, we have a low pressure pump in the tank? I don't know what kind of heat they generate, if any.