Buddy no matter what payload you set, the flight model/aerodynamism and the interaction of the airplane with the elements of outside as the Alti-pressure/temperature are totally wrong, it doesnāt interact at all with your bird which is the minimum required if we dare talking about realism even a modest one!
Concerning the VR Speed in general i canāt understand why it was released this way, really I canāt figure it out, itās so so buggy that it is a mysterious especially when I watch back the advertisings through Youtube videos, it feels like a ābad jokeā! Not even need to be a real pilot to notice that you canāt make a rotation at 35kts with a C152 at 38Ā°c at DAAT with 6kt of wind in your back (just for testing) ! How come?! itās definitely unrealistic, we canāt be blind here, itās in front of our eyes if we do care about the airspeed information (we should hhh) ā¦ same for the wrong behavior of the TBM, you canāt even use 25% of the POH, just impossible, numbers donāt match at all with the base of realism requiredā¦ The DR400 feels like ārealisticā somehow in terms of flight model and the Cub as well (I wonāt talk about tubes which are unfinished products, you can even set the correct values in the FMC just to pratice your IFR procedures, how come for a Simulator? Please how is it possible in a first released, itās like I buy a brand new car and the seller tells me everything is ok but you have to wait to have the brakes?)ā¦ We are not talking about small bugs here but about huge basic major issues!
Anyway the alterity between the birds and outside do not match in a realistic wayā¦ The DR400 has some good points in terms of flight model but still we just canāt talk about realism here as the DR400 is a way under power as it should be, however the behavior gives to some GA birds some kind of good illusion thatās right but again thereās no realism in terms of pure aviationā¦The DR400 itās one of the birds that I flew for a while when I was a student pilot, it doesnāt make me an expert in front of everybody of course but I do know what I meanā¦
Anyway, even a single pilot with 50lbs of bagage on board at 75% of fuel wonāt never rotate at 35kts or fly a TBM like we do in MFS2020, just because of the laws of physics of Mother Nature that MFS2020 was supposed to reproduce as much as it is technically possible but they didnāt! They said they did but they didnāt, why? I have no idea and itās a good subject for polemics we can avoid thatā¦
Anyway even a stock bird of Xplane canāt allow to let you taking off your plane with such ācrazyā VR speed values! ā¦ Trust me, the aerodynamics are very wrong, itās far from realism matter, very far like it is in an arcade-game as a matter of fact. I donāt really care about my opinion, itās factual here, itās wrong, itās totally far away from what Microsoft claimed in terms of realismā¦ I didnāt expect that of course based on such advertisings very promising (maybe too much) I mean it 
After once the DR400 or the C152 or the Cub are in the air even if you can fly through TS/CB without any effect or damage (???) how weird does it sound if we talk about realism??? You should avoid CB if you fly a Cub for the sake of safety (or for the sake of realism in a sim)ā¦ Well letās say that both of the birds behave in a certain coherent way, itās just a good and comfrotable illusion so that I do understand that people have good feelings, same here but if we talk about realism itās another story trust me on that if possibleā¦ and again there is no interaction with outside-elements as it should be, you should manage your engine at different FL during climbing after 3000 ft (in general) especially if you fly piston-aircraft, you have to deal with your mixture by leaning it based on Alti-pressure as published in the Book and check your EGT, CHT that should be drastically affected if you do nothing (which is the base of flying piston) etc also the OAT is a factor that will affect your perfs for T/O and Climb phase etcā¦ those are some elements that will directly affect your engine and your imputs to manage the heart of your bird etcā¦ Those are elements that Xplane cares in a very realistic way, they did work years on flight dynamism/physics and it does the job, its factual not opinion but sure there is no rainbow, no elephants which should come because I really enjoyed flying around the fauna, I even disturbed an elephant family (sorry for that) but it was very immersive in this way to land the Cub between trees in Africa, so well done as never seen, good job MFS2020 for that!
To conclude, based on the test I made modestly with MFS2020 and the Book on my knee, itās impossible to fly by numbers in anyways like we can easily do on Xplane for instanceā¦
Sure we have beauty panorama outside and gorgeous visual aspects as never seen in a sim before no doubt but is it a Flight Simulator because of eye-candy stuff that provide such a pleasure for our eyes and our senses if the essential base of realism is absent?
Without any sort sterile polemic here of course itās easy to say for now that it is a great game but not a Flight Simulator as it was announced so loudly, I believed in it, I even talked to real pilotsā friends on Xplane and simmers to say āgo for itā ! ā¦ all of them except one (Iām sorry for him because we now share the same feelings about MFS2020 even without talking about it previously, I owe him a bunch of beers or a good bottle of French wine) ā¦ all of them said to me you should wait before buying this sim in order to calm my enthousiasm down but no regret I did enjoy some beautiful things in MFS2020 and itās not the end of MFS2020 (updates, patches) but for the starting it really makes me worried by the fact that the minimum realism required is definitely not there which was replaced by a genius illusion, nice for the senses and because of beauty that this game brings in our virtual skies and all other visual aspectsā¦ but I definitely go back to Xplane waiting for MFS2020 updates if it becomes a simulator, even if Xplane is not the real life of course we canāt get to there but itās the most realistic sim on the market so farā¦ at least there are some reliable stuff that lead to some realism as a matter of fact. Sure I will miss my rainbow, my elephants, the amazing lights and the beautiful panoramaā¦ Now Xplane feels empty after my first flight on it this morning that is true since the August 18th but I aldready miss some realism by flying MFS2020ā¦ Iām not bashing the game of course, Iām talking about empirical facts. Iāll wait with patience if it becomes a Flight Simulator or not!
Whish you Happy Landings anyways, thereās always a place to enjoy no matter the sim we use ! 
Cheers