I was able to set my KX450 sag with a long flat bladed screwdriver. It's tight, but much easier than pulling the sub-frame. I am a 170#, Vet-Int. I found the front end pushed in the corners somewhat. I set the sag at 4". For intermediate/soft terrain I switched to a Dunlop 80/100x21 756 on the front at 12.5 psi.
HS Comp 1 1/6 (turns out)
LS Comp 7
Oil - Stock for now
This was set up on soft terrain.
The bike is biting in the corners and settling into a rut much easier now. I have ridden it on the same day, and same track conditions side-by-side with my 2005 Honda 450 and like the KX much better. The 4 speed gearbox does take some getting used to after riding the 5 speed Honda. The KX front brake is much better than the Honda. The KX pulls harder off the bottom than the Honda but is still very trackable.