Hello Chuck,
I'm glad to hear that you can still build 1/72 scale models. That is a gift from God indeed. Over the past few years I have only been purchasing 1/32 and 1/48 aircraft models and 1/35 Armor.
You're correct about the bomb bay into the H-22. I'm fairly certain that by this point they had the bomb bay area changed to where they carried the bomb load externally. In some books I have read where this was done with a rack hat could be interchanged, meaning the existing bomb bay could be used if the external rack was removed. Sounds a little confusing huh ?
I would build my H-22 Monogram with the V-1 mounted under the wing... I think it just looks cool.
We are indeed living in what many have called the "Golden Age of Modelling". Lately many manufacturers have really improved their game.
Companies like Airfix, ICM, Revell and Eduard have really turned out some great stuff compared to what they did 20 years ago or so.