I agree with Doug. Once you have set the seat to it most comfortable possition for you, there is little reason to change it, (generally, you want to keep your knees forward of the steer tube, if possible).
If you do want to adjust the seat, it's usually fairly straight forward and the majority people don't need to bend their seat tube, so raising or lowering it would't be a problem either.
Adjusting the preload on the rear shock is normaly all thats needed for heavy loads and of course, when different riders use the bike, it's simply a matter of adjusting the length of the top tube to the BB, using the quick release.
Regards.
Stuart.