An observation on focusing with a loupe:
Yes, it is really important to focus your loupe on the grain of the ground glass, where the image is projected and where the film plane is.
However, if you don't, the sharpest image you can get with your loupe, even if it's slightly out of focus, is still going to be the place where the image is focused most sharply on the film. So, even if you're holding the loupe free, like I do, or if you've not set the focus on your skirted loupe exactly correctly, you are not likely to make a focusing error if you find the sharpest image you can and set focus there.
Also, when holding the loupe/magnifier free, like I do, it's not at all difficult to adjust the distance between loupe and ground glass to find the ground surface to focus on once you know what it looks like. A bit of practicing with a free magnifier and the skill becomes second nature.
Best,
Doremus