I looked back at my history (have played a bunch of games since being laid up from a second ankle surgery) and I've lost on time a ton, even though I was ahead.
Having said that, I don't remember anyone under 1200 being much of a challenge, but on chess.com I'm losing a consistent 2 out of 3 at all rating levels, from the 1450 I started out at to the 800 level. You'd think I'd start winning more but I'm not ... but I'm not losing any more, either, which is the strange thing.