I have now gone with Chris159's settings with a little tweak on one of the frequencies can't remember which

...I have also set my Bass to +1 and my treble to +2 this seems to work for me
I think it is not only the individual ear but the genre of what you listen too has a huge influence as well, I like a broad range of music but always come back to Soul/Jazz/R&B as my main material.
Have now set up my FM as well, that is brilliant, lots of brownie points to whoever thought of that feature
Never checked if AM & FM can be set seperately?