RE: Insight build...another wood roach.
I use -.25° to -.50° by way of building experience. In the end, the elevators are so big these days (35-45% of the chord) that slight elevator trim adjustments are changing the effective AOA (or incidence) of the stab with very little added drag. I have had experience using a stab tube and adjuster and I prefer the rigidity and very light weight of the glued in stab. I know that many plug in stab setups are very solid, but my experience was otherwise. In flight tests on the first Insight, I ended up adjusting my wing to +1° for straight K.E. flight. Downlines are very straight as well.
I hope this answers your question to some degree (pun intended). I know that there are different, and perhaps more accurate ways to do this setup, but this is simply the method I currently use (I am open enough that I may change my method in the future, if warranted).
-Mark