RE: covering schemes
Sounds a little too complex for me. And if you had a company cut out the graphics I think it would be tough to get exact fits on the monokote.
I know its oversimplified but I just use the paint program to get a basic idea of the scheme. I always end up modifying the scheme as I go though. Sometimes as I am monokoting I see a way to improve the design or make it easier to cover so I change it.
All of my designs are copied after other planes though. I will spend weeks looking at plane photos and taking ideas from them.