As the bows of a Hobie 14 in particular, are so low in buoyancy, I personally think that I would set the T foils for them with a couple of degrees of positive lift rather than neutral I.E. set them up as described above then before fixing them into their final position angle them front down just a touch (2 or 3 degrees which is very small)
Agreed with everything, but you certainly mean "negative lift" (downwards).
2 or 3 degrees is not so small angle of attack. Symetrical Daggerbords work at about this angle of attack.
Rgrds,
