I tie my skates loose at the top two hooks. I can do away tying them tightly, but I find that if I do that, I will damage the boot with my ankle bend. That was my mistake with my Riedells -- tied them too tight, then tried to really bend my ankle.
I got that tip from "Kids' Book on Figure Skating" -- you can tie your skates tight all the way to the second hook, then for the 3rd and 4th hook, bend your ankle the way you want it to bend, then tie your skates as tightly as you can. When you remove the ankle bend, the skates will seem loose, but they will actually provide support once you bend your ankles.