Actual Rake vs. Credited Rake

Has anyone tried figuring out how much rake they actually pay vs. how much they get credit for?

You get credit for any pot that is raked, but if you are a tight player, you are probably getting credited for much more rake than you actually pay, no?

If you are in a hand and lose, you don't get anything back anyway, so the only money you really "pay" is when you win a hand.

I would guess that a tight player gets credited for 60-70% more rake than they actually generate.

Am I way off?

I think the only way to know for sure is run a query, see how much you actually paid, then see how much PT says you paid.