Do the W/B. With full fuel and 4 people in a newer Skylane like @JustinD has it is very easy to land above max landing weight. My 182 just has a max ramp and t/o weight and doesn't have a max landing weight. W/B wise I would not be able to takeoff legal with full fuel (88 gal usable) and 4 standard adults. 88 gal is over 6 hours fuel so like Justin said its easier to keep the tanks 1/2-3/4 full so you can have the versatility the 182 is designed for.