Every car I have checked in the past 20 years or so overreads (because the manufacturers are liable if it underreads) by 2 to 4 mph through the range. Mostly it's about 2 to 3 mph - or the width of the needle if there is one - so the margin for error is small.
Ignore what mates say and make your own decisions when the time comes. That time is unlikely to be in the first year or two after you have passed your test since the effects of any penalties you receive are greater during that time.
If you are driving a car that has been modified, especially in terms of wheel and tyre sizes, be extra careful to fully understand whether the mods have had any effect on the indicated speed.
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