As much as load, you will find the need for tabs with a crosswind. Basically when a wind is hitting you from the side, it is trying to push the bow. To keep your heading stable you (probably unconsciously) steer into the wind therefore cancel out the wind push. This always causes the upwind side of the boat to lower. Imagine how much the boat leans when turning. You are creating this to a lesser degree when there is a crosswind. I always adjust my tabs to keep the boat level, therefore I am taking the waves dead center on the V creating a better ride. Like was stated, it is trial and error each time you take the boat out. Basically, they will slow you down because they create drag, but will give you a better or more level ride when needed. I almost always keep the bow as high as possible, reducing drag and making the boat more efficient when running.