I have found my Cessna to be a really sweet flyer. I have not had any problems at all with tip stall, but, as I said, I limited the flaps to about 25 degrees. The fear of causing the problems that you address was the reason that I choose to limit the travel. I have not found any bad habits in this airplane.

I leave the flaps on all the way to the water. On a splash and go, I take out the flaps before I lift off again. The airplane is pretty sleek, even with the floats, and it carries quite a bit of speed on final. The flaps are not tremendously effective and don't cause much in the way of pitch change. But the little reduction in speed does seem to make the landings go a little better.

The split flaps would probably work really well and you could dial in a quite a bit more flap to get some speed reduction. You will have a real challenge running the ailerons through that plastic wing, I think. I'd like to see a picture when you get it done.