I don't have the numbers to hand, but I recall that when I last looked at the W&B for an Arrow 3 it is possible to be over the top with 4 adults and a bit of baggage, but be in balance on the wheel up calculation, and out on the wheels in transit numbers. Personally, I do both calcs to make sure it is on the graph for both sets of numbers.
It will fly over weight and out of balance, but it sure as hell makes an insurance claim into non claim should it arise, which, if you are far enough out, it will.
Do the maths, fly by number and live.