Where in central Europe is it 10%? And you get extra in summer, the actual overprovisioning is when you compare to the equinoxes.
Hamburg is at 53.6 degrees North; Berlin is 52.5. Both are just farther north than Calgary, as a pretty reasonable comparison for the US.
To contrast, New York City is at 40.7 degrees, and Boston is at 42.3 degrees North.