I am 95 kg, plus 24 kg machine with reserve, 5.5 kg wing 6 kg fuel and some clothing. So 135 kg ish...maybe more now.
I fly 26 m Roadster and 28 m Roadster with Nitro and Tornado respectively.
You can happily load up to the maximum. The higher loading makes the wing more stable. The higher loading also makes your wing fly faster, since the weight per unit area is now higher. The downside of faster, is running faster, but it's not much different. You also of course get to fly faster. I get about 3 to 4 mph faster on the 26 m wing.
It is not a good idea to lightly load the wing as it makes it more able to collapse.