TomG - I think Wen addressed your original issue, and I'll ditto his remarks 100%.
I'll admit that I don't use my tractor in any situations where too much weight is a problem. I don't use it for finish mowing, for example. But there's almost no such thing as a situation where compromises aren't a factor, at least to some degree.
The load/pressure tables you refer to are in the tire manufacturer's data books, not tractor owner's manuals. At least, I've never seen load inflation tables anyplace else. But I'd be willing to bet that about 90% of all tractors have tires that are over-inflated. Most tire shops do it, even. For example, when I got my Michelin 19.5-24 XM27's, they wouldn't put less than 30 psi in them. Guess what the correct pressure is for my application? Try 9 psi. That's right, no typo: we're talking single digits here. It would be 7 or 8, but Michelin won't let you go that low.
As for your original question, I don't think anyone here will or can answer it definitively because it's too relative a subject. Every bit of weight you add that's below the tractor's center of gravity will lower the center of gravity and improve its stability, up to the point where the wheels break off (at which point it loses a lot of mobility but sees huge gains in stability). But how much weight provides how much stability? It varies hugely with where you put it, the original design/stability of the tractor, and a bunch of other factors. Stability is not a simple subject, and it's not possible to state positively how to predict changes in it caused by ballasting. The bottom line is: do all you can reasonably do to improve the machine's stability and be as careful as you can, which includes always wearing your seat belt. I hope this helps, but I know it's not very satisfying. It certainly doesn't feel satisfying to say it, and I know I wouldn't be satisfied hearing it. But there's no other answer, without extensively testing the machine in a controlled environment. And even if you did that, all you'd know is how the machine responds in a controlled environment. When it leaves the lab, it's back in an environment with unknown variables, and you're back to "BE CAREFUL!"
MarkC