First of all, let me say that for someone who hasn't studied group theory you have done very well to get this far, and establish for yourself some empirical rules of thumb for the electronic states. I will just make some comments, from a group theoretical perspective, that would not be intuitively obvious, and may help supplement your rules of thumb.
1. For degenerate cases, all members of the set must be considered together in determining the symmetry. For example
In my mind, I consider the t2g orbitals in an xyz-coordinate system, and I am performing a C2 rotation along the X-axis to test for a "1" or "2" subscript for each orbital individually. For the dxy and dxz orbitals, this elicits a -1 transformation, corresponding to the appropriate "2" subscript; however, dyz remains 1 in this instance, so the determination of the overall sign for these degenerate orbitals must follow some other rule.
In this case, the overall character under C2x is the sum of those for the individual orbitals, i.e. -1 -1 +1 = -1, corresponding to T
2g. The
set {dxy, dxz, dyz} has T
2g symmetry.
2. There are mathematical rules in group theory for combining states of given symmetry, to obtain the symmetry of the resultant state. So just because you have electrons in t
2g orbitals doesn't mean the state will be T
2g. So for d
2 you have two t
2g electrons, but the state is T
1g - that's just how it works.
In fact the full answer is T
2g x T
2g = A
1g + E
g + T
1g + T
2g (total of nine because 3 x 3 = 9). The A
1g, E
g and T
2g states are singlet states, while
3T
1g is the ground state.
However, there are some simple rules of thumb you can add to those you already have to help out. (I'm not certain they're valid in every case, I haven't checked, but they seem to be for the high spin cases you have examined.)
(i) A single electron in the t
2g level gives T
2g. Two t
2g electrons give T
1g.
(ii) If you have two electrons in e
g, with A
2g symmetry, the combination with A
2g converts T
1g to T
2g and vice versa (e.g. the third state of d
3 and the second state of d
4).
3. As mentioned before, simple consideration of distributing electrons between orbitals doesn't always give you the answer. Consider the case above for t
2g2 singlet states. We could naively conceive two triply degenerate states, one with two antiparallel electrons in the same orbital, and one with the electrons in different orbitals. In fact we get three states, with degeneracies of 1, 2 and 3, and it is hard - or I find it hard - to visualise them in terms of occupancy of orbitals. But that's what comes out of the group theory (and, presumably, the spectroscopy).