Well, since it's the flyboys and girls who have to strap the thing to their backside and go aviating, I suppose it's only fair they have a say in this area too. I've never had a LS questioned when flying as a loadie, however dodgy it might have been. Presumeably strapping my behind to the same piece of aluminium adds a bit of confidence.
I've had situations where a skipper has asked me to load the aircraft, if at all possible, aiming at a nose/tail/neutral trim setting - and that's fair enough too. I've also had a situation, when everything was loaded and the cockpit had had the LS for a good 30 minutes, the skipper decides he doesn't fancy the trim (was rather nose heavy but within limits). It was a cargo flight and rectifying the trim to suit his preference would entail a 40 minute delay. However, as a professional one respects the other players and I calmy told him that reloading and a 40 minute delay was the only available solution. He then grumbled and signed.
Then there was the time I got a hand made LS back from the cockpit after departure (airline had not approved our computerised W&B program and had to do a manual) with a little note saying something along the lines of "please note fwd limit this a/c is 12.9%" - I had trimmed the aircraft at 12.7 or something like that. "Oh dear" I thought, better get a new one done then. Looked out the window to see the aircraft rotate off the runway at that very moment. Then again, Kaptain B. was quite a character
Now he's flying SLF around for a respectable carrier and has straightened himself out
Bottom line? It's their arse on the line and if they're not happy, neither am I. Delay codes can be managed and unless the skipper is a nutcase, which is very rarely the case, we'll agree on a delay code that's mutually beneficial (i.e. blame someone else - usually ATC).