just keep it between the navigational beacons: the scope has markings to tell you that you're between 4 & 5 in the above picture. Just put it at the zero marking (the one on the knob) in between the 4&5 (on the turret stem). Done. And yes, you're over thinking it.
go find timk's thread about his scope jig and how he makes sure it tracks correctly. Once you know it's tracking correctly (including return to zero), then all is well.
folks will check the tracking all the way up and down their scope. That's important if you plan on swapping the cope between rifles, but if a scope is going to live on a rifle on a semi-but-mostly-permanent basis, then just make sure the 10-15~ish mils that you're going to use are tracking correctly.