Hull speed for a 16 foot long boat is just less than 5.5knots. So if you are going faster than this you are in the speed regime that you should be "planing", ie you are going faster than a wave of the same length as your hull. There is a transition regime called "semi-displacement" but it is a fairly small range.

Typical upwind speeds for mozzies in 15 knots of breeze are about 11-13 knots (GPS readings on my old boat, others may get different readings) so well within the planing speed regime. At these sorts of speeds transom drag isn't as significant as skin friction.

But this isn't the whole story, as mentioned above, burying the bow affects helm balance and leeway angles due to shape of the bow.

Typically on most boat, stay well forward in the light stuff, move back a little as it gets heavier.