You are not being either anal or self persecuting. IMHO, the bow should never touch the stops, even when loading. Practically speaking, the bow may bump the stops and subject to relative ramp to hull angle, maintain light contact until the trailer is up the ramp. At some point after starting up the ramp the hull will paralell the bunks. The angle trasistion will create a margin between the bow and bow stops. That margin can be maintained by one, two or both solutions. The easiest being, strapping down the stern. However, the HD stern strap angle will only provide adequate force if at an angle greater than verticle. In other words, pulling "Back", with 45 degrees being ideal. Most trailers are not designed to provide for pulling down over the tube end and obtaining that angle. However, one might consider going under the hull and installing a strap eye, for that purpose. Perhaps an additional eye on the trailer, will also be required.
The second solution, similar process, different location. One or two straps will go from the bow eye(s) at an angle, with 45 degrees being ideal, down to the trailer frame. Two straps simply create more force and safety.
Rubbing between the bow and carpet may traffic damage both the carpet and rub rail.