To discount water, first start using "lye concentration" rather than "water as % of oils". You're going to get more consistent results in your soaps by making this one change.
The approximate lye concentration for "full water" soaping is about 28% for a balanced blend of fats. Use that 28% lye concentration as your rule of thumb for "full water" soaping.
To soap with a water discount, set the lye concentration to something higher than 28%. Don't make huge changes -- just a percent or two is plenty. I'd suggest you try a 30% lye concentration for your next batch and see how that works for you.
You want to find a lye concentration that is high enough to prevent the crackling you don't like and also to prevent the soap from going into gel, but not so high that your soap traces too fast so you can't do your fancy work. Many soapers use 30% to 33% routinely for recipes that have a balanced blend of fats.
Soaps that have a large amount of any one type of fat might do better, however, with a different lye concentration. For example, a 100% olive oil soap might give good results at 40% lye concentration, because it traces very slowly when the lye concentration is lower. A high coconut oil soap might be happier at a low 28% lye concentration, because it traces too fast and often overheats in the mold when the lye concentration is higher than that.
For more about why lye concentration makes more sense to use versus "water as % of oils", please read:
http://www.soapmakingforum.com/showthread.php?t=53642