First of all, that's not an explanation, that is handwaving. The real explanation is that URI.char_reserved? could be rewritten using defguard, because it only uses `in`[0]. An arbitrary choice (whether conscious or unconscious) was taken, that this particular standard library function is not allowed to be used in guards. But there is no good reason for it.
Secondly, are you claiming that it is not useful to be able to use URI.char_reserved?/1 in a guard? That's obviously bullshit.
Finally: The real reason why some things can be used in guards and other can't, is that Elixir must be able to guarantee that no side-effects happen while evaluating a guard[1]. This is a good reason (a good follow-up question is, "why must guards be side-effect free?") and something you can use to form a mental model of which functions you can use in guards and which you cannot, but it is not described anywhere in the Elixir documentation. It's not an easy thing to form a mental model around, but it can be done.
To be fair, I think this is a shortcoming in Erlang as well. It would be better to be able to look at the type of a function and be able to tell whether I can use it in a guard or not. Or just allow all functions to be used in guards, such as in Haskell.
0: https://gist.github.com/Munksgaard/ccac61310651d3402571506e4...
1: https://www.erlang.org/docs/22/reference_manual/expressions#...