By the time TBN gets to 1.5 TAN could be 4.8 (real life experience for me) and the oil was done for, several thousand miles previously. Many people think the oil is done when TAN>TBN. Sometimes typical STARTING TANs are 2.5, and they go up from there.
In the above scenario I had Fe of 99ppm, admittedly a relatively new (10 to 20K mile interval) car still breaking in.
But you can see why I'm not fond of ESP MB229.51 type oils which have a starting TBN of 6.4. So I switched to Delvac 1 LE 5W30, TBN 12.6, P Because of the TAN>TBN cutoff, an oil of double the starting TBN may have triple or quadruple the useful life of a low TBN oil, based on TBN-TAN relationship.
Detroit Diesel in its' user literature on lube oils recommends a TBN condemnation number of 33% of starting, or 3.0, whicher comes 1st, NOT 1.0!
Charlie