I like this idea a lot, but only if smaller bombs remain unperked. 250lbs and below should not be perked. This will still allow new players to use bombers. And will still encourage largescale city or strat bombing (whereas if the light 250 lbers were perked, I doubt many bomber missions would go deep behind enemy lines for carpet strat bombing, but not that many do now anyway).
I think, if ALL bombs were perked, the idea of a stipend as you described is a sensible workaround for new players, but is unnecessarily complicated as long as leaving an unperked lighter bomb option would solve the issue easier.