...and just have a good idea of your plane's ideal 0-60
The whole point about a balanced field takeoff is that there is no "ideal 0-60".
A lighter airplane has a lower Vrotate, but also a much reduced rejected-takeoff stopping distance due to both the lower Vrotate and the faster deceleration. In combination this all has a big effect on the required takeoff acceleration.
Consequently, even when weight planning is completely correct the aircraft may seem to have an extremely leisurely take-off acceleration. So realising that the acceleration is even less because the aircraft is too heavy is not necessarily something one can judge easily.
[N.B Speaking very much as a theoretician - not a commercial pilot.]