That's if you are playing in a regional / national USTA tournament. However, local tournaments in SoCal, Florida, Texas, Virginia, and other warm weather states tend to have a more abundance of 4.0/4.5 players. This means that ratings generally for a Texas area tournament should be about right, especially in large cities such as Houston, Dallas, or Austin. While a local 4.5 tournament in Minnesota, can have a bigger range, meaning the occasional 4.0 will sneak into the 4.5 simply because there aren't enough people, or vice versa. So yes, sometimes in smaller states, you can get a 4.5 who really isn't a 4.5 (local tournament wise, not regional/national levels).
