I did not know this.
So is it safe to say that balancing the actual loads at the panel would result in a more accurate consumption profile?
Say in your example 60A + 45A = 105A total draw from both legs.
If the loads were distributed evenly across both legs, the theoretical the draw would be 52.5A for each leg.
Yes, but in practice it's really difficult to achieve that. There's almost always going to be one leg more loaded. If you have loads that are always on, try to split them between sides. But heavy loads are almost always 220 anyway, so it doesn't end up being a big imbalance for most people.