I have _exactly_ the same problem, and it was driving me nuts. Besides takeoff, this was mostly noticeable when approaching a runway. I performed an ILS approach and turned off the AP 200 feet AGL, the 172 was perfectly lined up, but then it started banking left, and I had to turn slightly right and apply some pressure on the right pedal (Have Saitek Pedals) to counter the effect. This only occurs if the auto-rudder is off, and the realism settings sliders are currently set to the middle exactly. So what's the most optimal way to resolve that while not sacrificing the realism settings?