It's pretty common for shorter-legged paddlers to have the seat and the backband more forward to keep the kneecaps ahead of the thigh 'hooks' or pads. Many people find it uncomfortable to have pressure on the kneecaps, and I am one of those, so I often add foam to the thigh pads to make sure my kneecaps are 'clear' of the deck.I have the back band pulled forward quite a lot. Maybe if I slacked it off about 1 inch and then fiddled with the pegs I can finds the perfect combination.
Working all the available adjustments is part of getting a good fit, so you are on the right track. And as you say, you are only out a few dollars if you glue in some foam and then decide to remove it later.
"Make the boat your own!"