Congratulations on the triple 850! - takes patience to get there but, not too hard to maintain if you don't need additional new credit.
Clearly no harm allowing some balance to report on 2 or 3 cards. Fico 8 actually prefers to see some activity on more than one account - IMO.
Not sure about "optimized" being a tiny balance reporting. A non trivial balance might actually be better. All the scoring models appear to be content with AG UT in the 1% to 5% range.
Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
