What you mention on shoulder strap gap, would probably be correct for most users. Some probably prefer the S. Straps to ride higher, while some might prefer them lower.
Also, many might fall in between sizes, where although the straps might seem too high, its actually more comfortable for that person.
Some might prefer more weight on the hips, and some might like a little more of a balance with slightly more weight on the shoulders.
I currently have both size Ohm packs a medium and a large. With the size medium, I get a beautiful wrap up my back, and over the shoulders with absolutely no gaps.
But, it seems to put slightly more pressure on top of my shoulders, compared to the large. I'm currently debating as to which size pack to keep. I emailed my fit concerns to ULA recently, and I'm waiting to hear as to what they feel should be the best fit with regard to how the shoulder straps fit?
I used to think that having the shoulder straps level with, to just slightly below the tops my shoulders was a better fit.
But now, after a few years of carrying different types of light-weight packs, I believe like you have mentioned, that it is probably better to not have any big gaps in the shoulder straps.
Realize too, that John's picture might be with a lightly loaded pack, and as his load weight increases, the pack will then ride slightly lower, bringing the shoulder strap anchor points lower possibly too.