Completely outside my expertise, honestly. I know the basics of structural work, the gross theory, but my detailed learning to-date has focused more on the aero side of things. I would feel confident helping you with the aero loads, but not with the question you're asking. Hopefully Wsimpso1 will chime in - based on posts I've seen, he has a good grasp on the subject. You might consider sending him a PM. He sometimes visits HBA only sporadically.