You could be right. I agree that the capacities are often a bit on the safe side. A lot depends on the dropout when it comes to the largest sprocket, too.
However, don't forget that the RD-5500 was ten years (and three sprockets!) later than the RD-6400. People using what were essentially road bikes wanted a wider range of gears by then, and that's presumably why the designs had changed. The 5500 has a stated capacity of 29T, and would almost certainly be more comfortable with the setup being used than a 6400.
Anyway, as far as west green is concerned, the thing to check is how the chain looks in the small ring / small sprocket; if the mech's jockey cage is almost horizontal (8:30 o'clock), and the spring only just doing its job, then the chain length is probably pretty much optimal. If, on the other hand, the cage is at say 7 o'clock (or even 7:30, really!) then they've cut it too short, and I'd pay them a return visit.