
Ravingdork |
Pathfinder Roleplaying Game Superscriber; Pathfinder Starfinder Roleplaying Game Subscriber

If my large character has 18 Strength and a lifting belt, they have a Bulk Limit of...
05 base
01 lifting belt
04 STR
==
10
x2 Large
==
20
...and a Maximum Bulk of...
10 base
01 lifting belt
04 STR
==
15
x2 Large
==
30
So, if I can carry 0-20 Bulk without penalty, and 22-30 Bulk with a penalty, what happens if I'm carrying only 21 Bulk worth of gear?

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Tiny creatures have it worse. With a +4 Str and lifting belt you would have:
6+4 = 10/2 = 5
11+4 = 15/2 = 7.5 (rounded down to 7)
So you're fine until 5 bulk, then can't move at 7 bulk.
There's a 5 bulk gap between encumbered and over-encumbered. That's doubled for Large and halved for Small, so be glad Large PCs have all that extra leeway.