For a typical load of 2 - 3 pax sitting in the front club 4, fuel load is most critical. As soon as you start putting any significant fuel in the aft tank this pulls the trim setting back to around 5.3 (5.4 for margin of error). Less fuel and it starts moving forward. Use what's in the AFM, that way, if it does go wrong it's not your fault.
The AFM was written by the test pilots/lawyers and this keeps you safe both in the air and on the ground (in court).