Apparently I am the only one with a negative. You all can bite me!

That just means you are doing better than most of us.  Interest free loans to the government suck.  Those getting more than $500 or so are losing out if they just did their W4 right and put the extra money away in an interest-bearing account.

I don't think so, the feds are there to take our money from us, and if nothing else, they are really really good at that.  Found an article talking about penalties you will see if you tried to claim too many deductions on your W4:
http://www.ehow.com/about_4598569_w-tax-withholding-forms.html

But i'm was more leaning towards just setting your W4 so you get as close to $0.00 owed or refund as possible.

If you feel that you can't trust yourself to take a small percentage and put it away in a money market or savings account, many companies that do direct deposit, will also split up your paycheck into separate accounts.  You won't even see the money to begin with then and at least it's collecting interest.