Dick, you know better than most how wing loading is measured in the commonly referred to sense.

When the airplane is in level, unaccelerated flight however, the "actual" load on the wing is the weight of the aircraft, plus any downward acting aerodynamic forces such as those created by the horizontal stabilizer.


As an interesting aside...there was a while back, a modification for the Cessna 182 (full size) which involved a small canard wing mounted near the cowling. This small, forward mounted wing structure allowed the horizontal stabilizer of the aircraft to be "unloaded" as it were. Despite whatever weight/drag effects brought about by the canard, the airplane gained 15-20kts due to nothing other than the airplane being tricked into thinking it was lighter. Less downward acting forces on the plane...lower AOA in level flight....less induced drag....more airspeed. Just like that.