CDH......I wonder if you have loaded up the front hatch?
I know I carry about 25#'s of stuff up front in my 2013 PA-14 and that does make the bow sit slightly lower in the water.
The good news is you are staying dry and the water runs out of the interior.....I would guess your weight does have a effect....I am 170 Lbs and do get water splashing over the bow in brisk conditions.
The PA is more of a "stable pleasure barge"
compared to the tarpon 160....two different hull designs.
I love my PA-14 because its stable and can be loaded up with "stuff".