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The degree of over commitment is really application dependent, and not something that could generically be applied to a host.
Probably the simplest approach would be to scale the requested resources by efficiency factors
bsub -a "eff(mem=0.75, cpu=0.5)" -n 20 -R "rusage[mem=10000]" a.out
and the eff.esub modifies it to -n 10 -R "rusage[mem=7500]"
I agree with the above and think it should also handle memory_efficiency to allow for memory over-committing.