Hi Rob,
I usually spend 2 days and a night on my boat each week. I’ll try and remember to make your measurements next week. I’m having some health issues, so I have missed a couple of nights in the last few weeks, so I can’t promise for sure it will be this week. Also, I forget things - even things I really NEED to do on the boat. So a private reminder around Wednesday might not be a totally bad idea. 
Given the curved shear and arched transom, it would be helpful if you would post a side view and rear view with little arrows pointing to exactly where you want me to take the measurements. I say exactly where, because your definition of “rub rail” and “gunwale” seem to be somewhat different than mine, so I want to make sure I give you useful measurements.
Are your water tanks full? Filling mine lowers the bow a bit, though my bottom paint line still looks about like yours in the photo even with the tanks full. I’m curious what else you could do about it besides adjusting water tanks if you find that your boat is painted correctly, but not sitting level on her lines.
I would think that filling the water tanks, especially the forward one, might lift the stern bit. But probably not a 1.5”. Any amount of the transom being immersed would probably have a bigger effect on your boat speed than how high the bow sits (within reason, of course.) A small change in bow immersion will affect the water flow around the hull, of course, but probably not a lot given the round lines in our hulls. (I have over 17,000 miles in rowing shells, so I have a lot of experience with trim in long, narrow boats, but not so much in short, wide ones!)
Do you have a lot of extra equipment beneath the cockpit, or hanging on the transom? For example, I looked at one boat (Big Easy, in San Diego) that had a generator beneath the port cockpit seat and a dinghy on davits. I didn’t pay attention to trim at that time, but it seems that would put quite a bit of weight aft. And the generator is on the same side as the water tanks.
Immersion of the transom will affect water flow, but then you also need to add in the effect of turbulence drag due to the water not coming together smoothly at the stern. If there’s nothing you can do about transom immersion, then you probably are wasting your time worrying about the rest of the trim. Overall lightening will probably make a bigger difference. With a cruising boat like ours, there’s not even a lot you can do there. My boat was built for a serious NS racer (it won the 1998 NS Nationals) so it didn’t have anything extra to weigh it down. And the PO didn’t add anything to it but the sail cover. (Which probably messed up the race performance more than adding a generator would have!) It’s hard for me to imagine caring enough about speed to remove extra equipment, but you have different standards and objectives than I do. It’s the beauty of boats that we can so totally personalize them.