if perked ords come in it should be based on typical usage imo. I like to fly what the RAF did so for regular sorties mossie, typhie, thunderbolt, spit - all with 500lbers, or rockets depending on the target. they all fly fine with 500lbers. if its a "special" target like a ship or a hangar I'll take 2x1,000lbers, no rockets. the typhie and jug are complete dogs with a 1,000lbers under each wing any way, and I'd have no problem with paying a few perks for the overloadout.
I'd like to know what % of D jug/pony combat sorties were flown with the full AH loadout in WWII? I'd guess alot less than 1% ...
edit: I suspect the 2x1,000 jug loadout might have been fairly common with the USAAF (and maybe the USN hogs too?), this could reasonably be the heaviest non-perked fighter loadout.