If you use www.example.com and then add forum.example.com the probably external forum.example.com can't reach your cookies. If you put everything on example.com and then later add forum.example.com you have to think about security/privacy.
I assume the RFC explains the reasoning, but prima facie, this seems like a bad change to me.
In that sense using www.basename.tld is thinking about (or at least autonomicly mitigating, by way of scope limiting) those potential security/privacy issues.