not always 0.25mm courtyard, sometimes the pads are just capable to fend their territory by themselves and they are far out from the component body and i dont feel like putting another 0.25mm penalty on top of that.
(not that the drc of today check the courtyard overlap !!)
silkscreen for small components do not always interest me to put in, and not always klc compliant.
silkcreen for me is cosmetics of low value, i put it in when it can make sense according to me.
in real life i rarely depend on silkscreen for information.
but i am very pedantic with the fab layer.