Hello Foredaddy,
the question is ... for what do you want to use your scale model. Just for looking around the hull or do you want to let it swim and sail. Iam a amateur designer and I cannot build every crazy idea that finds it's way from my sick brain into my computer. So, sometimes I build a sailing scale model with RC. I normally choose a scale with results in a model around 1.00m to 1.30m long.
Sail Areas are a function from scaling the spars. To calculate, let us take a scale of 1:5, you calculate 5 x 5 = 25. If you have 17m² sailarea, your model will have 0,68m². 17m² / 25 = 0,68.
Wheight: you calculate 5 x 5 x5 = 125. If you displ. is 450kg your model, ready to sail (incl. payload), will weigh 3,6kg. 450kg / 125 = 3,6kg. Your hull wheight of 37kg will have only a minor effect of the model. What counts is the all up wheight of the boat with crew and payload.
In a monohull your model will have less righting moment than the original. To get comparable stability you have to add depth, a deeper keel. Water resistance is also greater in a model because the dense of water is always the same. imagine as if your model is sailing through oil. The waterstream around the boat, the wavemaking and the balance is as in the original.
In a multihull the resitence effect is the same as for a monohull, so pitchpoling will be more likely than original. Meaning ... if your model sails with the bow up the original will do it better!
Have Fun, Michel