If you call for 3/4s of your stack, why not go ahead and push the rest of them in? You would be pot committed at that point, and if you feel good about calling off that much of your stack, shouldn't you go ahead and get the rest in vs. limper before he sees a card on the turn or river that scares him off his hand (not likely, unless he is on a draw and folds it on river to a bet).

I do agree with your analysis, I think if sb had a monster, he'd be much more likely to check to the preflop bettor and then go for a check raise or a smooth call and continue on the turn. And completely agree about the limper, although it is possible he just calls with a set there.