I have Curado I's, Chronarch and Met MGL's. All of them start at 2 internal and 3-4 external and adjust according to weight, aerodynamics of lure and wind conditions. I can turn the internal brakes down to 1, external to 4 and cast a texas rigged senko no problem all day. Wacky rig that same senko and I'm turning the internal brakes up to 2. A bulkier presentation is nearly the same as casting into the wind. Only time I've turned it up to 3 internal brakes is heavy wind or under well 1/4 oz bait.
Sounds like you have the right idea to brake heavy and turn down as you feel comfortable.