I had a maxed out MBP order about to ship but I became concerned after looking at the max TDP of the components. I hope I'm missing something because what I learned seems rather absurd if true.
The adapter outputs 85W so this is the maximum power draw of the 15-in rMBP. The TDP of the 4960HQ is 47W and the TDP for the 750M is ~45W. This itself adds up to 92W and that number would be greatly exceeded if we include the motherboard, screen and other components. Consider a program that requires maximum CPU and GPU performance while you're blasting music with maximum screen brightness (probably another 10W or more) plus Wi-Fi and BlueTooth on. Let's say you're connected to an external display via HDMI, have a USB 3 drive and a Thunderbolt 2 device too. The amount of power required to do all this would probably be 2x as much as that 85W adapter is capable of outputting.
It's not the most realistic use scenario but the point stands. The only way I see the MBP doing this is by throttling down the CPU and GPU a ton. But then, why do I pay for the highest end CPU and a discrete GPU if they're running at 60% when I actually need them? How can they get away with an 85W PSU if only the graphics card and CPU TDP exceeds that?
TDP is just a measure of how much thermal buildup the cooling system (heatsink + fan or something else) needs to be able to dissipate for normal operation. I have personally had this misconception for a long time that it's power consumption, too... so it's not your fault. But in the end, it really is not power consumption.
In "some" cases, it's quite indicative of maximum power draw, but only over a certain period of time (about 1 hour). There are many other factors that contribute toward power consumption of a system in a time frame, so when you split that 1-hour period into different segments, you'll measure different things. Unless your load is just a linear distribution of pointless instructions that are just there for the sake of overloading the CPU and GPU... then you'll see linear load, but that's highly unrealistic (and pointless). Due to so many variables, measuring actual power consumption of a computer system is actually an unrealistic project to pursue, and that's why you don't see any manufacturer claiming TDP as power consumption these days. In fact, measuring just TDP is already hard enough.
That and the 85W rating is just an indication of typical load. It's not max load. You can still overload the power supply (trying to draw more than 85W), and it may still be able to deliver that just fine. As someone else has mentioned, the system might have been designed to tap into the battery when such a high load is demanded as well... so... in the end, you may still not run into a throttling situation. Unless you try to run the world's most intensive algorithm (that makes use of both the CPU and GPU) when the battery is empty, but... how often does that happen?
Most throttling situations I have seen thus far of the rMBP is due to the thermal system's inability to cope with the load. So chances are, you'd run into thermal limits long before you reach that power supply limit. Unless you're running your rMBP connected to an actively cooled surface, but then... if you have access to such a thing, I'd think you should also have access to a supercomputer in the same space.
Basically, there are so many factors that go into this that it's really hard to judge whether you are right or wrong regarding the power supply situation. But I'd wager that under most realistic and regular conditions (yes, including gaming), we wouldn't see this power supply limit you speak of.