I have been in aviation pretty much all of my adult life so I might be a little more biased towards being conservative on the fuel but same concept. If your out of fuel on a sun baked Interstate in the middle of summer does it really matter whether you thought you had 4 gallons or 2 gallons?
Good scenario with the non replaceable fuel filters and something to think about.
Aside from the Ego hit of the "Low Fuel" warning light winning the battle. There is the safety factor. Sun Baked Interstate and engine fails due to fuel starvation. No Engine No A/C, which means to screaming passengers and even more screaming front seat passenger...Hear that voice...."I told you so....I told you so.....should have stopped last exit....etc...
Sun baked interstate, lets say rural area...lets face it the engine is not going to stop 500 feet BEFORE THE exit with fuel it will most likely be about 1000 feet AFTER...
You can see where this could go, sun baked interstate, screaming family, no A/C, yes most likely someone will come by eventually but how long could that be? Figure of a family of four probably at least ONE possibly more cell phones will have the battery dead. Bottled water from the cooler will eventually at minimum get warm maximum run out. Cell Signal? yes probably good reception but even that is not guaranteed if the cell towers are not close by.
In addition to all the other things to think about one more item and could be the most important.
Traffic, your stranded vehicle is a sitting duck for other motorists. I am not saying intentional but we all know how people drive these days, distracted, cell phone, movies, totally oblivious and it could be your vehicle they hit. Occupied or not, the vehicle is a four wheeled danger area if someone hits it., Why take the risk. Keep fuel in the tank.
For all the scenarios presented as a danger of running out of fuel I have not seen one advantage....
If you think you will find it cheaper a few miles down the road? Maybe but a big gamble and also remember every mile is that much more that you eventually have to refill.
My general rule is 50 miles DTE, usually more in the winter. 50 miles DTE is about when my low fuel light comes on so about perfect timing. 50 Miles is approximately 3 gallons plus whatever reserve factor they built into the programming of the low fuel light so fairly safe bet. Have I gone below 50 Yes but evaluating the conditions, traffic, fuel availability etc... With todays modern fuel apps and social media there should be no reason to risk it. Fords Travel Link even makes some of the work easier by telling you where fuel is and how much it is.
I say don't risk it but that's me. If I find you stranded along the side of the road will I offer help? Most likely YES. Will I give you a 10 minutes lecture about the perils of risking the dangers of running the fuel level that low.....MOST DEFINITELY!! Will I allow you access to my bottled water and A/C seats...…..Water YES....A/C seats.....extra charge.........….LOL!!