For me. . .
I have a IO-360 with constant speed Hartzell. With me and the wife, I cannot drive the CG out aft, even with empty tanks. I cut the baggage load to stay within gross. And even if I exceeded gross, but still maintained the max 100# baggage limitation, I would still be withing CG limits. (I would never exceed gross, just sayin, if I did).
I think it has to do with the Hartzell prop.
BTW, full IFR panel
aviator interior - leather
My empty CG is at the forward limit (no baggage, fuel, personnel). Everything added moves the cg rearward.