yz,
The race sag has nothing to do with "rider comfort". It is a suspension perfomance issue. Besides XR's good advise, I would also suggest Eric Gorr's book. He goes into great detail on sag settings, and how to properly obtain them. Matter of fact, most everything I see you post can be taken care of by reading, AND ABSORBING, his book.
Cut down your foam or get a shock spacer if your bike is "too tall" for ya.