I really want to see your finished scene too, Badger, it looks great already.
On the rta thing, most of you'll know I'm a real render time miser due to a pretty low end computer so I always look extensively for the fastest render method. I find that rta is always faster than not using it BUT(big but) it really depends on lowest sampling levels of AA. This means making use of the adaptive sampling at render time.
Where TU(I believe) is absolutely right that his experience has proved quicker by not using rta, I think you must be using either default or max samples at render time for AA. This will certainly get into longer render times the higher AA you use because the minimum samples per pixel do begin to increase more quickly/drastically after AA=4, indeed. I like to drop the 'minimum first samples' and keep a reasonably high cloud detail and usually never below detail='1'. That should ensure that your cloud is nice and smooth at most settings and you will be able to use, for example, AA=8@1/64th sampling, to give a minimum 1 sample per pixel(a lot of samples isn't needed because the detail is already there from the atmo/cloud quality) and render time is managed well and fast.
The other way around, that I think Martin likes to use more, is to keep AA sampling either default or maxed out and use a lower cloud quality, because not so many samples are required at higher AA levels. The more minimum samples you throw at it, the longer a rta rendered atmosphere will take.
Popular advice and recommendation says that using higher AA and lowering cloud/atmo quality to balance is the best way to use rta. I think, contrary to that, that I can usually always make an atmosphere/cloud render faster with using rta than without it.
In a sentence, keeping a decent cloud quality and lowering AA minimum samples is faster to render than higher AA samples and lower cloud quality. And usually always of higher output quality than a non rta rendered scene.
That said, it's all scene dependent, sometimes you can't get away with lowering the AA samples.
I definitely prefer to use rta when I can because it is generally much faster, for me, in a typical scene.