I think it might be these mental and physical stative verbs (e.g. know, think, expect, love, live, etc.) that cause the problem. What I have come up with is that these stative verbs are treated as durative. When using them with the perfect aspect, in such cases as provided in the examples above, there appears an ambiguity (for me personally) which is - if the state described by the verb lasted for a period of time in the past and that is somehow influential on the present or the state extends to the current moment of speaking.
I believe this is a good example to illustrate what I mean:
Adam: How do you know so much about Chicago?
a) Finn: You know, I've lived in Chicago for 10 years.
b) Finn: You know, I lived in Chicago for 10 years.
To say that Finn's knowledge about Chicago derives from his living experience in the city, but he lives now somewhere else I need to choose the past simple tense. When using the present perfect it actually means that he still lives in Chicago. In such cases, I cannot use the present perfect for explanatory purposes, which is one of the main usages for the perfect aspect.
Can you agree with my point of view on the matter or not?