The "general rule of thumb" is that you need a minimum of 6" clearance between the truck bed and the underside of the trailer. That said, the "old man's version" is: If you can slide your clenched fist between the two, you've got enough clearance. So, since few people have the same size fist, I wouldn't think it's "rocket science" and wouldn't "quibble" over 1/4".
I'd think, just go with what you have and if you do notice that it's close when backing on an angle, you might want to raise the hitch platform a bit. I wouldn't think you'll have any trouble with your current adjustment
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John
2015 F250 6.7l 4x4
2014 Cougar X Lite 27RKS
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