i run mine at the max pressure stated on the tyre for the following reasons.
(a) the legal bods won't allow them to put the actual max pressure on (it is widely believed the tyre can take twice the pressure)
(b) i get less punctures (approx 4 on the road in 7 years, and a couple of slow ones that went down over night)
i was recently told by LBS that i shouldn't run them at max because it can split the tyre lengthways so I underinflated them as it is recommended by the Sheldon Brown website, and my LBS.
I had a p&ncture the first time i went out.
So, as I've never, in 7 years, had a vertical split on my tyre, I have gone back to max pressure and very happy with it thank you very much.
max pressure stated on the tyre is calculated without the added weight of you. so if you want to run at max pressure, you don't need to take into account your body weight.