In the 13 Volvo S80, I try to get it right at the full mark, or just slightly under. The car does not measurably consume oil.
In the 18 CRV, which is an oil dilutor, I underfill a bit (to about 3/4 on dipstick). Then when the oil level rises from the fuel, it won't overfill as significantly.
In the 03 Civic, which consumes about 1qt per 2000 miles, I will overfill (~3.8qt vs 3.5) slightly to delay the time I need to top off.