True speed merely means the speed at which a film produces sufficient shadow detail (Zone III in the zone system). You set the camera to that speed, generally to spot meter just that area, stop down 2 stops (moving it from middle grey to "shadow"), develop, and it'll come out with detail there. That is all it is.
The actual speed of a film in a particular developer is neither good nor bad, nor is it a rule by which someone must comply. I shoot TXT all over the place, even when souping in Rodinal, even though I know that the true speed is 250 for me (it might be different for you, btw). Sometimes because I need more speed (hey, if I need 800 or even 6400, then I do, bottom line), sometimes because I want more grain, sometimes because I want the contrastier look without having to do it in post. But there is a speed for a film in a developer. But that doesn't mean you need to shoot at it.
You will, however, benefit from shooting at it. For instance, if you put that shadow detail 2 stops below the mid tones, then you have a nice full 2 stops to go before you get to the midtones. Then you have 2 stops of latitude left to get your highlights. If it's really bright and contrasty outside, then you can decrease development a bit to pull the highlights back. The shadows are still detailed because you shot it at 250 (in this example), and you've managed to pull the highlights down from too bright to just right.
If you had shot it at 800, for instance, then you do make some tonal compromises. For instance, now your shadows are black. Your skin tones, which are midtones (zone IV to V for caucasians, I believe), are a bit darker than they should be (if the true speed is 250, and you shoot at 800, you've underexposed by quite a bit). So you now develop for longer to get the skin tones back up to normal, and now you've blown the highlights. You've squished down your tonal range then tried to stretch it back out during development.
Is that always bad? No, certainly not. It's a choice you're making, based on your own preferences. That's all.
Lazar - thanks for validating my existence by saying that my comments are nice. I feel so warm and fuzzy inside. Sheesh. I am just offering information. Don't take it personally as commentary about your methods. We all have our own methods. We choose what we want, based on our own subjective preferences. I have never, ever, made any comments to the contrary. Do what you want. I really don't care. But at least know the information and do things purposefully.