Why do we play with both a soft cap and a hard cap?

First off, I'm referring to the USAU ruleset.

Here's a situation I've run into far too often, especially at the college level:

Game to 15, point cap at 17. Soft cap is at 90 minutes, Hard is at 110 minutes.

You're playing the game and it's 13-9 after 89 minutes. The soft cap horn goes off. Teams finish the point and it's now 13-10. Captains stop to discuss the soft cap rule and verify that indeed, yes, the highest score is 13 so we should add 2 points to this so now it is a game to 15. Teams ask each other if timeouts are affected by the soft cap. Captains get it figured out, which takes an extra minute or two, but everyone is on the same page now. Teams keep playing, the losing team gets a few breaks but is still down, 14-12, but has the disc and is in the middle of a point. Hard cap horn goes off. Teams finish the point. The score is now 14-13. Captains discuss that the horn went off during the point so that was the last point.

Why add this extra complication to the game, especially during a crucial time at the end of the game? Why not use *just* a hard cap (game to 15 or until 110 minutes have passed) or *just* a soft cap (like they do in the finals of college nationals, where the winning team scores the last point)? Keep things simple so that teams don't have to figure out the rules every time.

I understand that in order to keep tournaments on schedule, you need to have hard caps. But at the finals of a national level tournament I understand why playing to a soft cap makes sense. I just don't like the use of both cap rules. If anyone has a decent argument for using both caps for games, I'm all ears. But in my experience, it doesn't work that well in practice to have both.

EDIT: After discussion in the comments, I like the idea only using a time hard cap, but having a "warning" or a "reminder" when there are only X minutes left in the game (10, 15, 30 min? don't know, we'd have to experiment and see what makes sense)