I just recently got my first C&V but have been having some problems dialing in.

What would the best compromise be for my fitting problem?
The saddle is adjusted correctly, however:

When I place my elbow against the nose and extend my fingers to the handlebar, my middle finger is about a cm from the handlebar.
Also, when I look down while on the hoods, the handlebar is behind the hub.

I'm worried that if I get a longer stem to fix the forward balance/hub problem the elbow/finger rule will be much to extended.

Omitting getting a different frame/bike size, what would be the best compromise? Leaving as is? Longer stem? Shorter stem? My riding style is general commuting, no racing.