Step 1: Measure sidewall height with all of the crap in it that you want at street pressure. You may use either standard or metric measurement (cm or in" unit of measurement seems to work well)
Step 2: Use your math edumacation to calculate 75% of the sidewall height measurement.
Step 3: With your new 75% measurement, begin letting out the air pressure until you reach said 75% measurement.
Step 4: Measure tire pressure at 75% measurement. This is your new "air down" tire pressure.
Step 5: Record it somewhere convenient so you don't forget it, like me.
Step 6: Repeat steps 1-5 for the other axle. Since tire pressures front vs. rear are usually different, a different pressure number is usually needed.
Step 7 (optional): Repeat with tires hot.
So there. It takes a bit of effort, but you'll find the EXACT air down number you need, custom tailored to your vehicle, with your load. And it will be good and glorious, etc.