Knight, first off let me apologize. I re-read my post and realized I made a comment that implied I was questioning your intelligence or called it into question. That was not my intention at all, and I am sorry for that. I also agree that the owner's manuals are going to be filled with a lot of lawyer-inspired CYA talk. I'm not so silly as to think that the US isn't a litigious society, so I do agree there's going to be a lot of CYA in the manual.
The extractor is going to be designed to allow it to snap over the rim of a cartridge, simply because the manufacturer wouldn't want their pistol, which may be needed in a critical situation, to be completely disabled if the magazine(s) gets knocked out of commission, goes missing, or gets wedged in the owner's butt crack with no hope of retrieval. Kind of a "last-resort" sort of situation, if you will.
I just know that from years of 1911 ownership, to include some gunsmith training, that internal extractors are something you don't want to abuse. Once they lose tension or become damaged, your pistol is nothing more than a club with very poor reach. For that reason alone, I strongly suggest that folks avoid breechloading their XDs and 1911's. A couple of times won't be catastrophic, but something will go awry if it's repeated.
So, yeah, sorry about the miscommunication earlier. My bad.
My EDC: Gen2 G19 (aka Darwin's Little Helper)
"We are what we repeatedly do. Excellence, then, is not an act, but a habit." - Aristotle