You're right about the surface area. Altitude is the limiting factor. In the stratosphere, the air is thin enough to warrant large wings, which have lots of area for solar cells. I attempted to design a system for the Air Force at 10-15k feet, but the wings are just to small to collect any meaningful solar energy. That's why we shifted to an internal combustion engine design for that mission.
You're also right about monitizing the business. The smallest scale system is a necessary prototyping step towards eternal flight, but it also offers a compelling competitive advantage over conventional fixed-wing drones. VTOL plus 5x the flight endurance?... who wouldn't want that.