Itti Bitti have a YouTube channel with some great videos for how to adjust the size and customise the soakers for Tuttos. You can't really go wrong though, just do what works for your baby. Lots of girls will need the inserts on the 'boy setting' too.
https://www.youtube.com/user/ittibittinappyco#p/c/7551FE7739947894/5/_80QfWhcMMk
https://www.youtube.com/user/ittibittinappyco#p/c/7551FE7739947894/5/_80QfWhcMMk