Is it bad if a modulating boiler never runs deep into the turn down ratio, or high in its capacity?

My second post here (first one was about a leaking radiator pipe, fun). My goal here is to properly size a new, more efficient boiler for my hydronic system, saving some $ on fuel and adding better comfort to our home. But my specific question is about modulation ratios and whether it is "BAD" for a boiler to not get "deep" down into the lowest levels of its capacity, and for it to also rarely/never run into the highest levels, either.

I found a boiler that I think will work for me (PDF link), it's a Rinnai with 112,000 BTU heating capacity, and a turndown ratio of 8:1. So it is able to slow down to as low as 14,000 BTU.

However, there are two things I am wondering about this and I am not sure if they are a problem.

#1 issue: after I make some insulation modifications to my house over several years (down the road, but hopefully not too long from now), the highest long-term load that this boiler will "see" is probably only 67,500 BTU (based on the 99% temperature of 7 degrees here in SW Ohio and indoor temp of 68 degrees). Even if we had a bad run of days at, say, -15 (this does happen), it would only need to run at 91,800 BTU to keep up- which is only 82% of the boiler capacity. This feels to me like I might be oversizing the boiler…? Also even at my CURRENT, less insulated heat load of 92,500 BTU, it will be able to handle a delta T of about 74 degrees when going full blast. That won't happen very often and like I said, I intend to insulate more.

#2 issue: the total EDR for my radiators is 764 (it's a huge, old gravity system!) and so the slowest pace my radiators can possibly run at only 110 degrees is about 22,900 BTU. So that's only about 20% of the boiler capacity. Anything less than that and the system would short cycle. Happily I figure that at 110 degrees my system should be able to deliver a delta T of 15 degrees when running at that 22,900 BTU… so my radiators aren't so oversized that it can't be dealt with by adjusting the water temperature.

BOTTOM LINE QUESTION: is it OK if a modulating boiler is sized so that the actual loads it will ever see over the long term are only between 20% and about 80% of its range?

MORE BACKGROUND INFO (since I know you people love background info)

I've been doing a lot of calculations and research, and have a decent level of confidence that my current 99% design temperature heating load for my house is roughly 92,500 BTU.

I won't go through all the calculations, but to sum up: I made heavy use of this article at GBA, and I did calculations using previous heating bills based on HDD at different balance points, and I also did a Slant/Fin app load calculation, being very very careful to not be too conservative on all the U-value assumptions (which I understand can be a big problem when doing that kind of load calculation). It turned out that I was able to get these two methods to roughly agree, based on the assumption that my current decades-old boiler is only running at about 70% efficiency (originally 80% on the label) at a 65 deg balance point for the house, both of which seem reasonable. So that's where the 92,500 BTU/hr is coming from. BTW the current boiler is way way oversized.

That 92,500 calculation includes about 25,000 from the basement (94 linear feet of 7 foot tall, 16" thick stone foundation walls, so delta T of 48 x 94 x 7 / (0.08 x 16) = 24,600; my band joists are already insulated with closed cell foam). I intend to someday insulate the basement walls and bring this portion down to about 2,500. So the future total load someday should be more like 70,000 BTU/hr.

I am also going to be improving attic insulation down the road (adding an occupied/conditioned 3rd floor with its own heating system) too, so that will further reduce the load for the boiler system. It will go from about R20 to R40. This will remove another 2,500 BTU or so from the load, making it 67,500 BTU.

Hopefully that's enough info.