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I asked for exactly this advice and haven't dieded yet with a steerer that ends just above the centreline of the top stem bolt. @gbj_tester passed on a tip, which is that after your headset is adjusted and your stem clamp bolts are tightened properly, you can tighten the headset preload bolt quite a bit tighter for extra security. Because the stem bolts are already tight it shouldn't have any effect on the headset operation.
Alu.
The top of steerer sits level with the top edge of the upper stem clamp bolt.