I'll get a little 3mm to sit above the stem for now and trust in an LBS to cut the steerer to the right length
Aside from aesthetics, there's no harm in having more steerer projection above the stem. You can always cut more off later.
Tell that to your testicles as they're wrenched adrift from your body the next time you go for that pothole/driver/jump/bollard-induced Superman.
@hippy started
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Aside from aesthetics, there's no harm in having more steerer projection above the stem. You can always cut more off later.