I think a lot of people may not want to post specific details as it could be identify them to company lurkers.

Therefore, hypothetically, the delayed bag claimant might expect to have to go multiple rounds.

Hypothetically, they will respond first that it is contrary to policy to compensate delayed bags for people arriving home, that while they make every effort, they don't guarantee your bags will travel with you. Sure, you probably have another bottle of shampoo at home, but depending on where you went and for how long, it is not unreasonable that even if you are now at home, that the delayed bag might have your only article of a particular thing. The point is not to take advantage, but also not to have to go to work looking like a hobo, or being unable to pack for a subsequent trip because AC didn't load your bag.

If pressed, hypothetically they may send $100 as a consideration stating that it is an exception to the policy.

Hypothetically, however, they may wordlessly remit the remainder of the claim up to the Montreal convention limit if reminded that on a flight ex EU, the Montreal convention applies. They rely on the Montreal convention to limit their liability, therefore they acknowledge that it applies. They may try to assert other limitations in the contract of carriage or policies or general norms among Star Alliance partners, you can't "policy" away a law.