Re: When to trim up?
Steering effort is controlled by the vertical trim tab above the prop. Take a look at the FAQs, as there is a description of how to adjust there. You need to also read up on the difference between trim and tilt. In the case of a Merc, trim and tilt are only differentiated by range.
Trim is limited to adjustments close to all of the way down, below "neutral" is called negative trim and above neutral is called positive trim, neutral is considered propshaft parallel to the bottom. Tilt is used for higher settings for trailering, beaching etc.
I am guessing if you take your trim tabs off she will porpoise, because I am also guessing that's why the previous owner put them on . . .

Porpoising is the rythmic "bouncing" of the bow up and down at planing speeds. Negative trim helps that, trim tabs help that, weight moved forward helps that. However, boats are usually fastest right at the point of porpoise, so it is good to set them up to porpoise at high speed and positive trim, then you control the porpoising with the tabs. Lots to read up on if you want to completely understand this. With "fixed" tabs your options are somewhat limited. The only way to confirm is to take them off and try it.