The only problem I've ever had with spam in my FastMail account was when FastMail obtained the fastmail.com domain, and I thought I was lucky in getting my first name as an alias for that domain.
Unfortunately, as soon as it was live I started getting spam to that address, so that it's now whitelist only and is basically useless as an e-mail address!
Apart from that, ZERO problems with spam.
IMHO, you must look at yourself and think about where and to whom you give out an e-mail address.
As for fiddling with your spam settings, I have never had the need - it's akin to fiddling with your car engine to improve performance, and then finding you can't get it started!
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