It's actually more common for creasing to occur beyond the cap when the shoe is too short heel-to-toe and/or wide. If the cap extends past the balls of your feet (where your foot flexes) and if there is excess girth, the shoe flexes at/beyond the cap. Hence small toes or too short heel-to-toe + long cap (+ short stiffener) = creases beyond the cap.
The most important measurement in fit is heel-to-ball not heel-to-toe, so you can have a good fit and still have creasing at the toe cap with RTW shoes.
This very topic was/is discussed ad nauseam in the Saint Crispin's thread.