*agrees with noir!
to clarify just three quick thoughts I came up with just reading your post:
1. you forget OB completely (if you keep making 4 CF vs 2 LQ) your OB level is twice as big (since in your case decide to place HF with attacker)
2. the fact that CFs are quicker is nice but the advantage is gained back by popbanking in time. and therefor this advantage is only nice in beginning when jumps are done frequently. but wait a minute... most popbankers start out as cf banker because of this. Oh and there is the thing that if you make CFs your ratio is off till your slow TO's get in 
3. your forget a popbanker has two types of research to boost his income. So not only can he fund two different types to increase the income but research also works exponentially. so basically to get 80% incomebonus you need a lot of RP's. In fact enough RP's to get 55% on both econ and welfare! omg is that true? yes tis (38% more income )
so all I can say is: Pop > CF
who you joining?