settings SHOULD be adjusted from what you see online. your panel may be different, and your room and sources most definitely are.
I wouldn't worry if all you had to change was the moving the contrast from 80 to 90, especially if you've verified with a test pattern that it's not clipping white at that setting
Displays: Samsung PN64F8500/JVC X35
AVR: Pioneer VSX-1130K, 7.1/5.1.2 audio
Sources: HTPC(Enby), PS3, XBOX360, Wii
Control: Harmony One