the "more gas in the tank" isn't a good analogy; a much better one would be a "more powerful engine" so that passing another car does not take 5 minutes but is easily done. the spare power is there for purposes like this. this is still not a very good analogy though.
what one really needs is enough amp power for any occasion that might present itself: sound pressure level peaks in music or movies. not enough power for one's needs means the peaks will be clipped, distorted.