The offset between sensor and keel has nothing to do with loading.
Actually nothing to do with anything would be more accurate
Maybe this will help keep us out of the mud.
A little mid is OK
A little rock would not. Personally, I prefer it to be accurate. When it gets dicey like several inches I find doing the math to know the real value may keep your shorts cleaner. There just are times with any draft
boat where you get pretty close. We draw 4-9 so I plan my routes for 6-0. You still have tide variations and other issues as well as the local terrain. Bottoms are not uniform and the depth sounder
may be reading in a hole or the top of the rock. Waves just makes it all the harder to guess. These variables will play into how you think about any situation. Just the reading on the depth meter isn't the whole thing. You need to understand how you got there and again where you need to be
I also disable the alram. When it goes off and you are sorting through what you need to do I find the constant beeping makes me more anxious than I need to be. Everytime the depth goes below it sounds then shuts off when you come up. The on and off repetition is more than I need. If you need the alarm
it means you didn't plan the route
well enough or were failing to keep watch. Poor planning is more dangerous than shallow water. When there is a chance of shallow water you need a tight watch.