I don't get why you're getting so frustrated...
Did you learn to design inductors *one way only*, without understanding the underlying theory enough to form your own, critical yet open, opinion on the subject?
As has been indicated time and time by the experts* in this thread, there are a great many variables which are inter-related, complex to analyze, poorly quantified, and generally not worth much concern, given that the resulting error is in the sub-10% "good enough" range.
*For lack of a better word; meaning, those who have presented theoretical or empirical evidence (which includes you).
This approximation of approximations means that, in the space of solutions which are all "about good enough", one can have very differing opinions which are nonetheless valid. This should be, not a cause for concern, but an understanding that, in all disciplines, technical or otherwise, there is no absolute certainty, indeed only absolute uncertainty, and one must accept and understand that, in order to work best with it. This is not the hard logic of mathematics, this is the art of engineering!
I'm not trying to be condescending, I would just rather have you understand, than be frustrated and angry..
Tim