[narwan]

The answer to that is to also be selective in what order you buy which planes. The first few are very likely to get shot down or damaged so these should not have big (mixed) loads (4 clusters in one slot would do nicely though). The next few should be PGM armed and should only fire their PGM(s) at first, disable the rest. There should be SAM and AAA assets visible now which they're likely to target. After those you can strafe with other planes with big loads which are partly disabled. That way you can minimise your aircraft losses (points wise) and maximise the damage they do).
Oh yeah, use choppers or UAV's to locate the general area of his AA assets so you know what genral area to target your planes in. And always buy planes after you've bought all arty since these can then be used to supres AA assets just before the planes go in.

Narwan