this question repeats everytime someone buy new HHKB, if you'll use search you'll find lot of dip combos peoples using.
my confs are: 1, 3, 4 ON
I almost don't use right Fn, and for arrow keys most time using my right pinky. it was long time until I stopped using mistakes - but right now I'am very happy with this layout and can't go back even to ten keyless I have.