I would like to think that the published fluid capacities in the owner's manual are based on total sump capacity and filter capacity as well as any residual oil in oil passageways, based on engine design. And if I know that I put in the designed oil system capacity, and the dipstick is not reading it as such, then the dipstick is not reading correctly. On any dipstick I've seen, the metal part is held onto the handle with two rivets-looking things and all it takes is a mm or two for the readings to be off. Some of them even have folds or twists and if those folds or twists aren't just right, then it will read off.
However, I've never had a problem filling rounding up from any half-quart listed capacities; if it said 4.5 I'd use 5, 5.5, I'd use 6. I figure a half quart spread over the surface area of the oil-pan isn't going to make the oil level go up that much to cause windage problems, maybe talking 1/4 inch to 3/8 at most depending on the size and shape of the oil pan.