Not something I’ve experienced when flying it IRL with the exception of 1 particular airframe that had a hard life.
It’s simple physics. If you have more weight on one side of the plane than the other it will lean in that direction. Cherokees don’t have aileron trim.
If you’ve trimmed it properly with the rudder trim it won’t bank. If it’s not trimmed then it will
IMO, off center loads are exaggerated as in FSX/P3D.
Rudder trim affects yaw, not roll.
Primarily only, secondary effect is roll.
On all prop driven aircraft I’ve flown (IRL and in the sim), the left turning/rolling tendency can be removed by using rudder trim.
I do get what you mean though. 
If you used the same amount of rudder trim with only 1 pilot instead of the setting for 2 then yes it would bank. The trim has to be increased further than the normal aerodynamic default position for 2 pilots if flying single pilot. (power setting dependant ofc)
Good video on how yaw control (rudder) affects roll. Its effect depends on aoa,
That guys videos are really good.