OK, let's think about this. Why do atoms (main group atoms, anyway - transition metals and d/f orbitals are another kettle of fish) often (not always!) adopt in their compounds a quasi-noble-gas configuration of s
2d
6? (Or 1s
2 in the case of H
-, He, Li
+ etc.)
Let's think about ionic compounds, and compare, say, NaF and MgO. Here are the first 3 ionisation energies of Na and Mg (kJ/mol):
Na: 496, 4562, 6912
Mg: 738, 1451, 7733
And some electron affinities:
O: -142, +844
F: -328
The 3s electrons (one for Na, two for Mg) are ionised relatively easily, but there is a big jump to the 2p electrons, which are much more strongly held.
Now suppose you have ionic compounds Na
+F
- and Mg
+O
-. And it occurs to you that if you transferred an electron from the cation to the anion, giving divalent ions, you would get four times the lattice energy, considerably stabilising your compound. You would have to expend some energy removing the second electron from the cation and forcing it onto the anion (note that EA2 of O is positive, meaning you have to put in energy to add the second electron). For Mg and O, that cost is ca. 2300 kJ/mol. The lattice energy of Mg
2+O
2- is 3795 kJ/mol, so if we assume it would be ca. 900 kJ/mol for Mg
+O
-, you can see that the extra lattice energy more than compensates for the energy used in making the divalent ions. For NaF, however, (LE 910 kJ/mol), the energy cost is over 4500 kJ/mol (I can find no EA2 for F, presumably because F
2- doesn't occur, because it can't be stabilised in a compound), so even increasing the LE by a factor of 4 won't recover this energy. The same argument will show that formation of Mg
3+O
3- would be energetically unfavourable.
(In addition, ions with a 3s electron (Mg
+, F
2-, O
3-) would be considerably larger than those with a neon configuration, so the lattice energy of Na
2+F
2- would be less than 4 times Na
+F
-, and Mg
+O
- less than a quarter, and Mg
3+O
3- less than 9/4, that of Mg
2+O
2-.)
So we see that energetic considerations dictate that the noble gas configuration is the logical place to stop. Removing 2p electrons from a cation, or adding 3s electrons to an anion, doesn't make sense energetically, because of the large energy gap between 2p and 3s. Note that this applies to the
overall energetics of
compound formation. In isolation, a noble gas configuration is not necessarily particularly stable. We have seen that EA2 of O is positive - an isolated O
2- would like to get rid of an electron. And an isolated Na atom is stable relative to Na
+ and a free electron.
Similar arguments could be made for covalent bonding, e.g. a 3-valent carbon could gain extra bonding energy by forming a 4th bond, but to form a 5th bond would require utilising high-energy atomic orbitals, and is unfavourable. (See e.g. this thread
http://www.chemicalforums.com/index.php?topic=77716.0.)