hi,
well, i'm not trying to teach you
why we need different subnet? in routing there is a mechanism called Split Horizon.
The routers get confuse when seeing 2 identical networks. it cant determine which way to pick the route prior forwarding the packet. so the router stops its function.
the same goes in tunneling - even in theory - your Q is correct.
and, the good thing is for monitoring - you know which traffic from and to
HTH.