So I was finally able to try on some of the solo loops today. My wrist measures 144cm, on the tool I printed at home I was right on the line between 3/4, the in store tool had me in the middle of 3. I tried on a size 3 braided loop and it was great! Size 2 was also comfortable, it was snug, probably would prefer the 3. They did not have the solo loop in a 3, they only had a 2 to try on. The 2 was snug, but not too bad, however I have a feeling the 3 may be better. So for me at least, it seems the measuring tool is pretty accurate.
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The gap is also not as bad in person, at least not on the smaller watch.