one might ask the reasoning
Indeed.
Certification is about putting lines in the sand to develop an acceptable set of conditions for design, testing and operation. Collectively, this process provides for an acceptably safe aircraft to roll out there into Industry use.
Not a perfectly safe aircraft, only acceptably.
There will be lots of situations where the design standards don't match the real world realities. One of these is that concern which Bob has identified - the design standards look at the 170lb occupant for the static case and 50th percentile for the dynamic. Those lines in the sand have to be put somewhere. As an aside, the 170lb goes back to a US North American statistical survey of army chaps in, as I recall, the 1940s.
It is important to keep in mind that the certification design standards don't give you any guarantees - it is all to do with probabilities.
If the occupant weighs less than the standard body, the seat will be stronger than the standard requires, if heavier, then weaker. Keep in mind that being lighter may not be better - the dynamic tests look at a maximum down spine load of, as I recall, 1530lb. The medical folks tell us that this is the sort of load the typical person can sustain without significant spinal injury. The lighter body may be subject to higher accelerations and a higher, more risky load than the standard considers. This is the reason that current helicopter seats, which have a very high downwards acceleration crash requirement, must incorporate a designed-in collapsing structure so that this maximum spine load is not exceeded. For the same reason, when you see the you beaut stunt car jumps in the movies, the driver will be in a similar collapsible seat structure for the landing impact sequence.
Likewise, if the forces imposed by a mishap significantly exceed the standard considerations, all bets are off. For instance, you may recall the flight test mishap on a GAF N24 Nomad at Avalon way back in 1976 -
www.atsb.gov.au/publications/investigati.../aair/aair197603014/. The FTE on the flight, who was a very good mate of mine and an absolutely top bloke, survived but with major lower spine injuries. The impact loads greatly exceeded the (already quite high) envelope to which that seat was tested. Although it predated my time there, subsequently I was the design and certification engineer for the seat manufacturer for many years. The FTE's seat suffered a front beam compression failure and the failed structure caused his injuries during the impact sequence. Point of the tale is that, once again, there are no guarantees, only probabilities ...
What might this all have to do with Bob's seat loading question, you may ask ? While it would be a bit impractical to restrict occupants to a maximum weight, day in day out, we can do that for cargo - hence the double standard on this occasion, if you will.