When its just Me and the Wife we have bags out and use pumps. It takes a bit more effort, but not more time, and the wave is just awesome. We fill two bags. A 750 on the back corner bench and the 1000 bow sac about 3/4th full.
So ours is as follows.
1. 1100+400 in locker and under seat on the Surf Side.
2. 750 bag full in opposite rear locker.
3. Center tank and IBS under seats filled(roughly 1000lbs I thinks)
4. Triangle bow Sac filled to about 750lbs.
5. 750 bag angled on back surf side corner.
About 5000lbs total.

If we have anyone else with us we don't fill the bags on the seats. We are done filling the 2 non intigrated ballast before the 1100+400 bag is full. I know people don't like to fool with the manual filled bags but the improvement in the wave is Night and Day.