I've made up my mind:

I'm going to stick with the 10.5" cord ribs. I've got a lot of hours invested in cutting them all out and then jigging them up in a "bunch" and then using my palm sander to sand them all to a perfect match.

I've got all the spar slots cut and my front end stringer slots cut.

I estimate about 20 hours time invested in these ribs. I'm not willing to spend another 20 hours making new ribs for the increased cord I spoke of earlier.

BTW--the 10.5" cord is only the actual RIB length. Thats not taking into account my aileron cord. Aileron cord is 2.5"

AS I read around here and search for more info--I discovered that the ailerons DO figure into the TOTAL cord and wing area.

So--I'm happy with my sq. in. and wing loading given my current wing size.

Thanks for the help.