My turn! Children will be children, can't stop them from doing that. You have a very valid question because I hate it when it happens too! It's even worse with having to deal with the dam vapor recovery condoms that screws with the gas pressure even more. You seem to have a general grasp on when it might happen so Just use common sense, slow down, and if you don't get the tank that full to make it happen, what's big deal? At least to me.
I have to ask, do you really drive your car that much that this is a issue that you need answers for? I have no idea when the last time I filled my 300's tank, or my A100, I don't drive them enough to worry about it. Good Luck.