Yes as you say it is most likely to be that your position is to low or to long, or both. Neck ache normally comes from having to extend the neck and lifting your head for a prolonged period e.g. just like lifting your head to look at the ceiling. I would trying bringing your reach closer, either up, shorter or both and see how you get on.
Stretching helps you adapt to a dysfunctional position and you shouldn’t have to regularly stretch to.maintain your position, as it is more based on your height and geometry rather than flexibility.