Normally, light loads can be trim adjusted using the bags. Shifting bags from one hold to the other (fwd to aft and vice versa) will help.
Alot of the LoCo's don't carry much cargo thus giving them the oppotunity to do just that.
Also it depends upon whether or not the airline used containerised cargo systems. Hoofing a few bags from front to back isn't going to delay your flight too much, having to off load cargo containers and shift bags between takes a fair bit more time.
Light loads, short flights are generally the worse!
A badly trimmed 737 with an engine failure on takeoff and a drift back below V2 toward Vmca is a dangerous place to be!