First of all Weight & Balance calculations are very important and serve a purpose: Flight Safety.
I don't like the term Cheat sheets at all, and I think thats the wrong term. I have a number of possible weight & balance calculations available. If I run into a different situation I just make a weight & balance calculation as simple as that.
It's extremely dangerous flying out of CG. Two bladed helicopters have a very small CG range and when you're out you will run into mast bumping amongst others.