It has been explained why one might measure without the tail but I wish to give a reason as to why one might measure with the tail.
Let’s say you’re looking to get a tank for 1 fish or build the tank around it, you find out the fish is said to grow to 12 inches. Let’s say you go with an 18 inch wide tank because you were informed it grows to 12 inches. It hits 12 inches then keeps on growing and doesn’t stop until 16 inches. Well, the body of the fish is 12 inches, yes, but the tail adds another 4 inches which wasn’t accounted for. Now you need a bigger tank.