I asked a question about engines and CG issues a month or two ago. I was thinking that to make the airplane more "useful" , as in useful load, it might make sense to plan to build it so that flown solo, you needed ballast to either put it within the CG envelope, or in a better part of the CG envelope to make it fly better.
Apparently that is not a unique thought. I was perusing Van's forums and several RV-10 builders do the exact same thing. To increase their "useful" useful load, they carry ballast in the cargo are when flown solo. When they want to carry more people/stuff, they remove the ballast, which takes all of 30 seconds. I was also wondering if this was "legal" per FAR's. Someone mentioned that the US does permit an aircraft to be signed off with a CG forward of the limit and carry removable ballast, but Canada does not.
For my personal plane, it will be flying over rugged, remote terrain 98% of the time. Having some basic camping/survival stuff, and water, would probably be prudent. Throw in a bit of fishing gear and a case of beer, and an unexpected overnight camping trip could be downright enjoyable. My "ballast" gets heavier every time I think about it.