ORIGINAL: rmh
take total side area (fin rudder /landing gear/fuselage) vs total projected wing panel area.
compare areas.
If you include center section of wing (fuselage area) then the ratio will be quite a bit different
If you assume the fuselage does not contribute lift - then do not include .
Selig, et. al., did an in-depth study on wing efficiencies as pertains to thickness (in order to simplify terminology). Have you considered this in your fuse side area calculations?
bc