Hi Mike,
I just looked at your rocksim file just now, and I have a 4" fiberglass rocket that looks very similar in size with a conical cone.
As to thrust transfer, on min diameter rockets the motor thrust ring transfers the energy to the airframe body. Are not all rockets min diameter with a motor adapter put in them? Just some have glued in the adapter.
When you create a motor adapter to fly it on smaller motors, one of the tricks is to use the bottom ring that is the same size as the tube and use an aeropac retainer that screws to the bottom, or their boat tail model.
Then you can put in the aeropac adapters to get even smaller.
The thrust ring will put the thrust into the bottom ring that that goes into the airframe body tube. When I use the aeropac boattails, they do the same thing.
Many carbon and fiberglass composite rockets will not have thru the wall fins and the fins will terminate to the airframe or in a composite fin can outside the body tube.
The video at the bottom is a rocket 4" fiberglass airframe, fins are carbon that are composited to the body as a curtis fin can.
Its test flight used a motor adapter that consisted of a 3" motor tube containing 2 centering rings that were screwed to the airframe body at the top of the adapter and mid point with three #8 screws.
The Aeropac boat tail transfers the thrust to the body tube, and motor adapter is removeable for 4" motors.
It test flew on a Pro75m M1400 to 996mph
https://www.boostervision.com/wmv/misschv.wmv
Since your tube size of 4.5" doesn't have an aeropac boat tail in that size, you can make the bottom thrust plate the size of the body tube and use the screw on 75mm retainer to the end of it.
That should transfer the thrust of the motor to the thrust ring, to the retainter, to the rear thrust plate, to the outside airframe body, to the ebay vent ring (if you have one), to the payload section, and on to the nose.
JD, help me here if I'm wrong on the transfer of the thrust in all those places.
For stability on the bigger heavy motors you might want to make the bottom about 42-48 inches long and the top chute cannon at least 24 inches to hold the laundry you need to bring it to the ground slow.