Ratchet binder-how tight/

Old school binders aren't supposed to be tightened with a cheater to prevent putting too much preload on chains and binders, but what's right on ratchet binders? I just pull things snug, although it's hard to resist giving the handle a few extra pulls, but I see a lot of guys putting everything they have into tightening binders down. I've even seen bent "D" rings on trailers.

How do you do it?

Ratchet binder-how tight/