Your uncertainty is nothing new. Jack O'Connor talked about that way back when. He said, of course, that the scope should be adjusted to put the bullet at the tip of the post. He also preferred a flat-topped post, but they seem to have fallen by the wayside in the market. He also suggested that the crosswire and the top of the post should be at the same level, but then, as now, no one offered "such a deal", as he put it.
Thanks for the quote. It reminded me to read Jack O'connor's comments on riflescopes from his "Complete Book of Rifles and Shotguns" again today. What you quoted is on Page 253. Here are some additional "uninformed" and "outdated" opinions from Jack. Obviously he'd spent too much time hunting and too little time at optics booths at Shot Show:
Page 246: "A scope of from 2 1/2 to 2 3/4 [magnification] is just about ideal. Actually more power is seldom needed for any big game scope since big-game animals are large and for the most part conspicuous targets".
Page 245: "A scope used for hunting should have a non-critical eye relief. That means that a usable field of view should be obtained at any point from about 2.5 inches to 5 inches away from the ocular lens."
Page 252: "Fancy reticules fascinate the uninstructed beginner; the old-timer wants them simple".
Page 252: "A flat-top post is best, with the top subtending from 4 to 6 minutes of angle. Such a post is conspicuous even in poor light and surprisingly accurate".
-Omid