Andy the industry standard length is picked so that factory loads will be short enough to fit into any known action type & eject properly. Yes, on most factory loads this puts the bullet more than 1 bullet diameter into the case neck. On a break action rifle, such as your TC, it doesn't matter how long your round is, but it is generally accepted that there should be 1 bullet diameter in the case neck. It is also suggested in some reloading circles that for hunting purposes the bullet be seated .050 off the lands. Following these general rules will often prevent us from seating as close to the lands as we hear some people say they do, but it doesn't matter because seating depth is a fine tuning reloading step & is somewhat of an advanced step. If you want to sneak up on the lands be sure to take enough time to master your measuring technique to be positive where the bullet is.
As you work up to the lands always back down on the powder charge & work back up because, in general, the closer we get to the lands the higher the pressure.
One of my most accurate loads is seated .168th off the lands! Good Luck & BE SAFE! Jim