Well, yeah, you are, because of their adult size.
You've got to consider their adult size. Its different for alot of fishies. Bigger fishies need more room to swim, so you have to limit your amount of fishies that do get BIG. Its different for fishies that are smaller as adult. People can actually push or go over the limit on the overstock for smaller fishies, as long they are not stressed and the water condition are safe.
To be an example, you can only have one fish that reaches 29 inches for your 29 gallons tank, but do you really think the fish will be comfortable? No. The one inch per gallon rule does not apply to bigger fishies (the math would have to be redone differently). So, you got to consider their size and the relative tank size. Fish need room to swim and to mark their locations.
Thunder