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Residential Design Load

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While performing the design for several residential structures, I've been
curious about  the recommended minimum design loading for stairs. In
particular, ASCE 7-95(as does BOCA, UBC, etc.) recommends a 30 psf live
loading for sleeping areas and 40 psf  "for all other areas except
balconies".  It also recommends 100 psf for stairs. In lieu of worrying about
this in the past, I played it conservative and used 100 psf for the stairs.
However, since  single family homes includes only 3.5 people(or is it 4.3?),
is the 100 psf loading too conservative?

Charlie Canitz, PE
Bel Air, MD