Alright... thanks for all the tips!
Stock ballast is killing it (IMHO). This pic is 3 people surf side, lightest person in the front, heaviest person in the rear corner. 11mph, Gen2 tab deployed, no trim tab, and I let off a few hundred pounds of ballast on non-surf side.
Still looking forward to an off-season upgrade... but I have to say for anyone looking... this boat is VERY surf-ready with stock alone.