I enjoy Aviation Safety and usually end up reading it from cover to cover. The August 2015 article, “Some Weight In The Back?” is pretty good for those wishing to eke out a little more speed by carefully loading the airplane toward its aft CG.
As you point out, when the CG moves forward, a greater downward force must be applied by the horizontal stabilizer, thus inducing more drag. However, this aerodynamic load is as real as if weight were added, so the wing must carry this added “load” as well as the gross weight.
