The advantage of using set title is that some vertical space is automatically reserved for it. This only works when placing a heading over the chart.
You can place it below the chart by specifying offset . But in this case, you must adapt both the offset manually and the bottom field:
Consider the following example:
set multiplot layout 1,3 set title "title" plot x set title "positive offset" offset 0,1 plot x set title "negative offset" offset 0,-2 plot x unset multiplot

Once you have too much negative bias, the upper field is reset, as if you did not have a header, but the lower field remains unchanged.
Thus, you must set the label manually under the graphs and adjust the bottom field accordingly:
set multiplot layout 1,3 set xlabel "xlabel" set label 11 center at graph 0.5,char 1 "first title" font ",14" set bmargin 5 plot x set label 11 "second title" plot x set label 11 "third title" plot x unset multiplot

In any case, you will need manual intervention and setting fields.
Christoph
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