jpolston,
I also don't like overfilling the crankcase. I use 11 quarts and the dipstick reads full.
I also don't like using 5W-anything. Cummins recommends 15W-40 for a reason. My understanding is that anything less than 15 weight does not remain on the cylinder walls, etc. , while the engine is shut down as well as the heavier oils. Thus, when the engine is started, it has less start-up lubrication.
I hope this helps.
Loren