Why should a driver be aware of a vehicle's designated maximum speed for passenger operation, which may be lower than the vehicle's overall mechanical top speed?

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1. A lower operating speed limit accounts for passenger safety and comfort considerations specific to carrying riders
2. Speed limits for passenger vehicles are set solely by the vehicle's manufacturer with no other basis, unrelated to the number of riders aboard
3. Designated operating speed limits are identical to a vehicle's mechanical top speed in every case
4. This distinction matters only for vehicles used in chartered service

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