Last night raised the stem on my old Raleigh. It had been slammed down with the seat well above the bars. That was sort of OK for a ride one day, but the next days ride proved to be very painful for me. Pain in my neck and hands/wrists. I didn't see a minimum insertion line, but will look again to be sure. I raised the bars about 1.5" compared to fully slammed.

As you can see from the thread responses, some adjustments can be made. I hope subtle adjustments make all the difference.