That is with the latest EXE installer that still has this mod enabled, right? What loads are you referring to? The load in your hold after filling it up manually? Or the load of the random ships you encounter? Technically "just under the limit" should be OK. But I would expect random ships to sometimes be a bit further under the limit. For player ships it all depends on the order in which you do anything. But if you do cannons and crew first and afterwards do an Auto Buy or manually fill up the hold, you should indeed always end up below the limit.