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Personally, I wouldn't risk irritating an AdCom reader who might already be having a bad day. I don't think it's worth the risk, schools want to see if you can concisely present yourself and your ideas within given constraints.
On one of my essays I went over the word limit by around 10% or so, but had been told by an AdCom rep that it wouldn't be a problem. I believe there are other schools that are more strict with their limits.
nope its not a standard but i spoke to some of current students at my schools.. especially Tepper.. they said it'll show heavily on the PDF if you go beyond 1 inch.. I guess if you have just one or two lines extra.. that can be included in the doc by adjusting the margin from 1.25 to 1 on the left and right sides.. anytn more than that and mate u'll've to trim your essays..
P.S: dont ever think of adjusting the top margins.. theres'a chance that some of the information at the top may get cut while uploading the doc into PDF..