For me I use the defaults, but my A/Z and =/- commands are swapped. Though sometimes I do get caught at no throttle and end up using the afterburner to actually move. I use zero speed/Match Speed/Max Speed/Aburn only, I've never used the keys that adjust the speed by percentages.
For Z-axis rotation (following FRED here), it's a Left Shift+mouse movement. I should be pretty much okay, unless 360DOF fighters get involved.
Max sens on the mouse, since it's a slow-moving ball. Even on reasonably agile fighters I still have to lift up the mouse and put it back down (so yeah, it gets kinda bad on a fighter with a Y-axis ROT of 4.2), but I've already learned to live with that so it hardly matters.