How to consistently get 'name 1 et al. (year)' and not also 'name 1, name 2, et al. (year)' in case of multiple references starting with 'name 1'

Question

The text in the following MWE describes the problem. I would like references with three or more authors to show up as 'name 1 et al. (year)' but it seems that 'name 1, name 2, et al. (year)' is used if there are several references with the same first author -- even if the year already disambiguates the references.

If there's a good reason not to use 'name 1 et al. (year)', I'd also be interested to know (I'd be fine with 'name 1, name 2, et al. (year)' if there are two identical 'name 1 et al. (year)' references, so if also the year is the same).

\documentclass{scrartcl}
\usepackage[
style=authoryear,
maxnames=2,
maxbibnames=6
]{biblatex}
\usepackage{filecontents}
\begin{filecontents*}{bib.bib}
@Book{mcneilfreyembrechts2015,
  author =   {McNeil, A. J. and Frey, R. and Embrechts, P.},
  publisher = {Princeton University Press},
  title =    {Quantitative Risk Management: Concepts, Techniques and Tools},
  edition =  2,
  year =     2015
}
@Book{embrechtsklueppelbergmikosch1997,
  author =   {Embrechts, P. and Kl{"u}ppelberg, C. and Mikosch, T.},
  publisher = {Springer},
  title =    {Modelling Extremal Events for Insurance and Finance},
  year =     1997
}
@InCollection{embrechtsmcneilstraumann2002,
  author =   {Embrechts, P. and McNeil, A. J. and Straumann, D.},
  editor =   {Dempster, M.},
  title =    {Correlation and Dependency in Risk Management: Properties and
                  Pitfalls},
  booktitle = {Risk Management: Value at Risk and Beyond},
  publisher = {Cambridge University Press},
  pages =    {176--223},
  year =     2002
}
\end{filecontents*}
\addbibresource{bib.bib}
\begin{document}
All references consist of three authors. The first reference \textcite{mcneilfreyembrechts2015}
shows up as expected.
The reference \textcite{embrechtsklueppelbergmikosch1997} shows up in the form
`name 1, name 2, et al. (year)' and the reference
\textcite{embrechtsmcneilstraumann2002} as well. Why not Embrechts et al. (1997)
and Embrechts et al. (2002)? (the different year already disambiguates the references)
\printbibliography
\end{document}