I have found that the 265 is happiest with motors trimmed up, bow high. I use the fuel economy gauge to judge the sweet spot where the boat is trimmed up to where it is getting the best speed and fuel economy. It needs to be trimmed up further than you think, even at slower speeds. Once in the sweet spot, I uses the tabs just barely to level the boat out if need be. Most of the time, it is not worth using tab, however, as Skunk pointed out, the boat has a tendancy to list towards the wind. A little, I mean very little, tab will correct this. Dont use tabs for any other reason than to achive a level plane. Play around with it and youll get the hang of it. Its a great riding boat.
I have the Islander 270, which has fairly similar dimensions to the 265. My mode of operation seems quite similar to yours with very good results:
1) When starting off, motor is trimmed all the way down and tabs are all the way up.
2) Push the throttle to get the motor up to about 4,000 rpm and watch your GPS speed
3) When the boat speed hits about 20 mph, I start trimming up the motor.
4) The motor gets trimmed up to about 4 to 5 bars on the indicator, and by this time, the boat is usually up to about 25 mph.
5) If I sense a little bit of list, I will bump the appropriate tab down ever so little to correct the lean.
6) Usually from here, only slight adjustments are made to motor speed, motor trim, and tabs to accommodate sea and wind conditions
7) Once up at cruising speed, I don't notice a lot of listing from passengers moving around
8) Tabs use should be VERY minimal. Just a slight bump of the rocker switch can make a big difference. I usually will only adjust one tab. The same tab will get bumped up or down depending on conditions. Bump slightly and wait at least 10 seconds for the boat to react.