Ahhhh yep okay, that makes sense. When I was applying for Masters scholarships I remember learning this and being astounded that the recipient of the scholarship doesn't really benefit. However, I was awarded a CGSM and my supervisor still topped me up around $12k I think so I was a bit higher than the minimum funding for my university.
Here's hoping that if I get a xGSD my supervisor will do the same...
Maybe that's a bit premature though. Will have to wait until the end of April to see if I should bother spending time thinking about this.
Thanks for the info though!