Every time I check this forum you're buying a new DG gun....
I like your line of thought of running the Lott on the slow side for performance balance with pressure and recoil. However, loading down doesn't always work. That's still a big case. Unless you plan on using a filler to keep your powder in place. Generally, I've found *very* few guns that ever shot best at the bottom of a performance window. Almost every gun seems to shoot best near max, ime. The B&M rounds are at max in those little cases.
If, you can find a good load with 4895 you're golden, but that's a big if. I've had numerous people say buy X gun and load X bullet and powder, your good to go. But, my rifle didn't like that combo, it lived something else. You're taking a big gamble in hoping you luck into a good combo with very limited components.
Regardless, you could easily add a much heavier scope and creep closer to 10lbs. Heavy steel rings, a 30mm scope, voila