I am above your recommended amount then. I believe that the fork is uncut (not sure as I bought the bike used). I am 6'0" with a very freakishly long torso, and a 30" inseam. I am lucky that I got my height, but unlucky that I got the geometry of a turtle. The bike is a 58cm frame. There are currently 2 1/4" worth of spacers under the stem right now, which equates to about 57mm of spacers.

Does this add unnecessary stress on the steerer tube? I don't crank hard on the bars or on the bike that much as I ride it for fun and commute to work on the street. I do not track or race the bike at all.