RE: Area loss when reducing plans
Not trying to sound like a broken record, but it is possible to get the wrong wingloading. Either too light or too heavy is bad. You can't just scale something down without doing a little homework and expect it to fly like the original. Yeah, using TLAR it will probably fly, but not necessarily like you expect it to.
Try looking around at aircraft in the same class and see what their wingloadings are in the same power and size class. Use the information that's already available to eliminate having to experiment. Usually, you can get pretty close by scaling down to an area similar to another airplane in the same class(es) and it's not a terrible lot of work.