If you were flying a Boeing, then the answer to this
We completed a manual loadsheet and it turned out that we were just out of our aft cg limit. ........ I am wondering how dramatic things can turn out on those
You wouldnt have noticed, the cg envelope has quite a numbers of buffers built in to it, you therefore wouldnt not have reached the actual aft CG limit.
However, if you had ended up in a court of law, things would be slightly embarrassing for you..
Mutt.