Yup, that's exactly it! Clear file puts you at the final save point, actually I think Hearts may have done it as well, so Hearts onward! They find other ways to milk playthroughs from you, like forced choice options where you need to see both options to get a trophy etc. (Symphonia Chronicles... or better example, Xillia 2 and Zestiria's bad ends though you can get those on a first playthrough by just using two save files, it would be hard to) Or ones where its just easier to get in two playthroughs than grinding in one, like trying to Max the Mixer in Graces.
Ex Dungeons have also been accessible from clear files (at least being present) now, definitely since Vesperia even though the clear file had to be separate since it was a mandatory new game plus, thank god, I never had the patience to do an entire other playthrough to do what should be fun post-game content.
Also, I might just be remembering wrong for Symphonia, definitely Abyss and Legendia had summaries though (and everything after that) I'm pretty sure Rebirth had them, but I can't know for sure because I would have ignored them not being able to read them LOL
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