I have to say that I agree with both sides of this discussion.
1. Most times after a long cook and multiple dishes, I just don't seem to enjoy the food as much as I possibly would have, had I been a mere guest to the table. This is a common experience among cooks. It is not exclusive to Indian food.
2. Some curries do definitely round out and develop over time, and so does a good stew as anybody will tell you.
3. Even though my curries are delicious and enjoyed, they are definitely not in the same class as some commercially purchased dishes I have eaten. There is, I feel, something missing. 5%??? Not sure. In saying this though I've also eaten some pretty bad purchased dishes as well.