To be honest, I try to keep it at +2 or +3. If I get a comet or other stupid stab hit, I just use the console to get rid of the event. I will accept stab hits from ruler death, and then pay for getting it back up with ADM points. But because of the frequency of stab hits, I have tended to just shrug them off.
What I would prefer instead is a "stab decay" like Prestige. Or more sensibility in why there is instability than just silly events. If the system had more granularity, or more choices and trade offs, I might accept the occasional shock to stability more often. But the all-too-frequent and random -1 or -2 hits just get filtered out as RNG noise which the console can make up for all-too-easily.
No, I don't care about iron mode or achievements. I care more about playing a game I enjoy. RNG stab hits are probably my least favorite "feature" of the game.