Jim,
i do it primarily for 3 reasons..
1. Most bowyers recommend it and like the thought of a fatter loop as compared to a skinnier loop.
2. My customers want it.
3. Why not? It wont do anything "bad" to the bow.
Just thinking aloud on this... but the formula for Pressure is = P=F/A (Pressure = Force/Area)
I personally believe that adding to the area(padding) only helps things due to it adding more area for the force to be applied. With today's low stretch material, I want to be sure that I am protecting my customers bows, my name(for business and for me), and being sure that I make a quality string that has very little negative feedback.
As stated above, D97 is a much larger material than some of the more modern string materials(X, Fury, etc), so the extra padding is not to make it larger than 14 strands of D97, but to get it to the same diameter.
I have always wondered though, at what point is a string padded "enough"? I have had a customer return a string because it was "too padded". It was a 14 strand b55, padded to 16. Everyone liked different things, just be sure to protect your bow.
Sorry to ramble,
Daniel