Yes...the horizontal stab being as you described would absolutely make the airplane require some up trim.

COULD you adjust the wing saddle to offset it? Yeah, probably. SHOULD you? Eh...that's up to you. Depends on how much work you feel like doing. *heh* Will it have other consequences besides just removing your needed trim? Almost certainly.

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And you're right...it probably is "splitting hairs". But who cares, right? For some, the investigation and learning and trial and error of exactly how one change can effect a whole airplane is fascinating. Again, it's all about what you enjoy doing.

And as you point out...you've learned some valuable lessons already. You've seen, first hand, how one building method might lead to certain results, and what those sorts of things might do to airplanes. This, too, is all part of the fun.

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Finally, (mostly because those who know me are probably shocked that I haven't done this already *heh*), IF this sort of thing really intrigues you, then I HIGHLY recommend you pick up a copy of [link=http://www.amazon.com/Stick-Rudder-Explanation-Art-Flying/dp/0070362408/ref=sr_1_1?ie=UTF8&s=books&qid=1244817769&sr=8-1]Stick and Rudder: An Explanation of the Art of Flying[/link] by Wolfgang Langewiesche.

While it was written for full-scale pilots, its common language explanations of how and why airplanes do what they do are just as appropriate for RC as they are any other aircraft. It will, i suspect, make for a very enjoyable read, and really give you some new insight into the hobby.