The term is “over thinking”. Just set the H on a flat surface and run the calibration. The cal processes establish zero points, which is what is needed to generate imbalance offsets while in flight.
An out of balance condition will always be out of balance. Accelerometers cannot correct an imbalance, they can only compensate for an imbalance. When in flight a multirotor is always out of balance as the air moving over, under, through, and around the aircraft is not the same speed and direction in all places, so the accelerometers provide the FC with the data needed to make instant corrections, which happen continuously throughout the flight.
If a weight imbalance is within the systems correction tolerance the aircraft will be stabilized in flight. If a weight imbalance is too great it won’t be stable because the system would not have enough power available to deal with it.
Bear in mind that with small “consumer” drones the tolerance level is small. They weren’t designed to be extensively modified to adapt different payloads or addition of devices that have a significant impact on all up weight or CG. They are quite limited and those limits must be accepted and respected. There is no magic wand that can be waved to provide them any significant increase in flight time.
However, you do have the ability to throw lots of time and money away trying to solve a “problem” with only one solution, with that solution being purchase of a more capable, more expensive machine. When people figure that out they will spend a lot less in “fixing” problems and have more money left over to step up to more capable machines.