Loren I would have to disagree with your comments about entry doors. It is even more important for the panels to be loose for expansion in an entry door, than a cupboard door, because of greater temp and humidity variations between in and out of a house, as well as exterior variations. Your previous comments about the length of the tenon is what gives the strength to the joint is on point. (I am not using length to mean the depth) Hence the bottom rail is typically larger than the others in a door. A stub tenon provides a great deal of strength. It is not just the increased surface area for glue, but the conversion of the force over the length of the tenon from tension to compression. (The "prybar effect", or torque) See drawing below This requires good shoulders as well, not just to resist the torque of opening and closing, but to create the torque in the joint, as the joint is pulling at the top shoulder and pushing at the bottom, as well as along the entire tongue. The measure of the strength can be expressed as the length of the mortise from the inside top of the mortise, to the bottom outside of the shoulder. The longer this line the stronger the joint, according to the properties of the species. In theory a long shallow tenon should have the same strength as a short deep one. However the depth of the tenon changes the force on the parts joined, in this case the style and rail of the door. A short deep tenon could fail by splitting the rail, because the torque beyond the joint increases as the depth of the tenon increases. A shallow long tenon can fail by splitting the style, because of the same.
When all of these are considered The 1/3 rule does manage the strength of the wood vs. the forces of the joint well for most species and joints. For other applications it is important to think of these forces. I.e. a joint facing mostly compression, a table apron, or bottom rail in a chest construction, will benefit from a longer tongue.
To keep this relevant to the original question, I am off on a tangent about door construction.
One of the things left out of the question in this thread is what type of joint is being made with the mortise and tenon.
The joint is always a compromise between the forces, the strength of the wood, and other materials making the joint (glue, wedges, pegs, etc.) so I am gonna to close the door on my thoughts.