Glen, with respect, I think you are going into this W&B thing far too deeply.
When you start your flying read the POH for the Aircraft you are operating, and go through some loading scenarios with your Instructor.
Dont overcomplicate with in depth mathematical formulas or you will find your Instructor might get fed up fairly quickly.
By all means, read up to your hearts content, but i believe you are going way beyond whats necessary in understanding basic loading stuff.
Just enjoy your flying!!