I hope I'm not opening a can of worms with this, since I'm very happy with my fit, comfort-wise. However, this photo seems quite good for illustrating the fit of my bike, that I thought I'd post it and get some comments. Perhaps I could improve efficiency a bit and still be comfortable.
Two things to note are that 1. I need to have the handlebars high, or else I get neck pain, and 2. my legs are pretty short: to have KOPS, my saddle is as far forward as it can go.
This is how I ride 95% of the time: