Well yes, radical changes might have been necessary for further growth, but is it really that big of a deal considering the radical changes that the Bf 109 (F) and Fw 190 (D) went through? But any speculation on preformance (of the new variant), etc is really just that, speculation.
Also, I did some quick calculations on the wing loading between the Bf 109E and He 100D-1, and I found that the He 100 has a wind loading of 171.2kg/m while the Bf 109E has one of 159.5kg/m. Thoughts?
Indeed, and with the number of changes going to the 109F variant and the (supposed) low parts count and mass production optimization of the He 100, switching over production rather than retooling for the 109F may have made a good deal of sense.
Keeping the 109E in production in the interim also would make sense, though so would have been producing more 109T-2s for applications where the longer span/area would be useful. (shorter take-off/landing, better handling with a bomb or drop tank, better turn rate, better lift/drag ratio -longer range albeit at slower optimal cruise speed- and higher service ceiling)
EDIT: It is worth noting that the Fw 190A had an even higher wing loading of 241.3kg/m(!).
Also remember that the 190A greatly increased in weight from the A-1 to A-8, and a DB-601 powered version should have been significantly lighter. (enough that it may have had similar wing loading on the original small wing but certainly lower on the large one -and with a high lift airfoil at that, it very well may have out-turned the spitfire and maybe even hurricane while still being faster)
The 190 and He 100 both have better cockpit views and wider track landing gear than the 109, and while the He 100 has no service record to compare accident rates, the 190 was noted for being easier to take-off and land as well as easier to fly in general. (a lighter plane with lower wing loading and lower engine torque, lower stall speed, and more reliable power plant than the 801 initially was, while retaining or expanding on all the handling advantages the 190 offered)
All of the he-100s produced had surface evaporation cooling. The retractable radiator on the D-1 subtype were to fix the problems with overheating during taxi and climb.
A proposed production version would have had a much larger belly radiator and no surface cooling. You can find a picture of this online.
The initial (albeit extremely short) production version of the He-100 (the D-1) did not have surface cooling and also had armor. The performance was brought down a tad, but not nearly as much as you suggest.
Indeed, from the limited information I've seen, the claims are that the pre-production He 100D-0 used surface cooling with a small, supplemental retractable radiator beneath the cockpit.
The D-1 production aircraft supposedly equipped armor, were armed (and employed as factory defense), along with a deepened rear fuselage housing an expanded belly radiator and elliminating the surface cooling.
One part of the confusion may be that evaporative cooling was still used, but I believe this was true of all German water cooled engines that featured pressurized cooling systems. The coolant was allowed to (partially) boil in the cooling jacket and better transfer heat due to phase transition and particularly avoid hot spots, and featuring a centrifugal steam separator with the radiator being used to both cool the hot liquid and condense the limited amount of steam before returning it to the header tank. Evaporative cooling ended up being quite practical, especially with glycol or similar coolants in short supply (mainly used only as antifreeze in german engines), but it was surface cooling that went nowhere. (being extremely vulnerable, unreliable, and prone to overheating/warping aircraft skin -the same would apply to surface cooling omitting an evaporation/condensation component and simply piping hot coolant along the aircraft wing/fusalage surfaces -which the prototype and D-0 He 100s also did for both oil and coolant)
The sole prototype Fw 187 to be powered by DB 601 engines (not DB 600), I believe the V5, was fitted with similar engines with a pressurized cooling system and retractable radiators and is often confused with surface cooling (which I believe the DB 600 example did use) and may be a result of confusing terminology in use at the time with early/pre-production pressurized radiator DB 601s. (this was before the DB-601E entered production, or contemporary Jumo 211F -the 601A and 211A/B/C/D all using open-circuit cooling systems)
This also implies that the He 100 may not have been practical to adopt the DB-601A and possibly 601N (I'm not sure if that transitioned to pressurized cooling) without a significant redesign to the cooling system and higher capacity radiator and header tank than even the D-1 had adopted. The same would apply to the Jumo 211 short of the F model. (which would have still required some modifications to the mounts and cowling to accommodate). It would be the 601E with its pressurized cooling system or the earlier 601M (the version used on all He 100s actually flown) that would be needed.
Fw 190 possessed THE fighter airframe of ww2 (for land-based fighters), and was seldom equaled, let alone surpassed by another piston-engined airframes.
It was constructed vey strong, actually TOO strong. It was heavy. It was good for ground attacking, but all this weight was bad for the Air superiority role. It s not luck that the best Air superiority fighters of the was were NOT famous for their toughness(Spitfire,P51,KI84,La7
Take the Mustang off that list, it was about as overbuilt and correspondingly heavy for its size as the P-40 and P-39 (and pretty much all American fighters). It just had the advantage of exceptionally low drag for its weight and size.
Also remember that the 190A-8 and D were both much heavier than the earlier A models. Between the heavy engine, armor, and armament (and ammunition), the A-8 would be more akin to weighing the P-51D down with enough armor to protect it's large radiator area and carry a full complement of 4 Hispano cannons, maybe even adding the cowl mounted .50s.