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Actually, I used the form with the W-4, and figuring that I didn't want them to be using my money all year (much like you), I calculated that 13 was the number that would balance things out for me. Since I had a couple of mortgages at the time, I had a lot of deductions.
Is 13 legal? I sure hope so. I think someone told me that it is the most you can do before they come asking questions.
And if you find out that 13 isn't legal, then just let me know. My name is Fred. Fred Flintstone. Yeah, that's the ticket. That's my story and I'm sticking to it.

(if 13 is legal)
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