A lot of passengers dont know most airlines make more money in business cargo that is flying below.
How we load is I roll my chair in to the jet way then on to the plane and with the front wheel drive I can turn so I am facing the isle and my Wife is able to help me transfer.
On trips where she is tired or we have a lot of carry on I will use a isle chair and they the opps agents will left me in to the seat then they will back out the chair.
The trick is when you check in that agent should be giving you a tag and tag your chair to "bring to the gate tag"
Before you land tell the flight attendants to radio the ground crew and make sure that chair is brought back up when you land.
Vs landing and they forgot, be proactive they have access to contact the ground crew while flying.
By the way we flew a lot with my m300 its a tank never had any damage or shroud damage to the paint!
I dont use a wheelchair so never had that experience, but I know a lot in our community over think and worry. Not to say things dont happen but with a little preparedness and not be rushed damage is minimal and always fixable free from the airlines.
A side note we have flown 2 power chairs from Phx to NYC and San Diego a lot because one is a normal daily chair m300 or now F3 and then an offroad chair x5 for beach use in Coney Island or beach towns in California!
Plus have fought with Supershuttle now only charges us for one van vs 2!