What I usually see is the complete destruction of the rocket, regardless of failure mode.
When the end cap does come off, the motor usually shoots through the rocket, like an alien coming out of it's belly through it's nose, obliterating everything in it's path. Centering rings, nose cone, electronics, 1/2" stainless hardware...nothing stands in the way of one of these beasties. Henceforth, I will refer to these nasty occurrences as Alien CATOs.
When the case ruptures, fins go flying and the bottom of the rocket usually takes the brunt of the damage. I personally would prefer a burrito CATO for my rockets, as the destruction isn't usually quite as absolute as the alien CATO. These CATOs just don't seem as violent as the Alien variety.
I have only seen one or two cases where the motor extinguished itself when the end closure came off.
I think the distance table is quite enough protection for rocketeers regardless of failure mode.