I am certainly no expert - others are better at an explanation, to me though I high weight causes instability a low weight increases stability, that's to say the reduction of the possibility of a roll, weights fore and aft give better riding of the hull through waves so I have heard, never really built anything that could test the theory, only experience is my flower class corvette riding up and down violently at the bow and stern when all the weight was in the area under the rear part of the focsule on the hull bottom, see sawing effect, it could handle it like the real ship, just very disconcerting as a modeler.