100% agree that HVAC techs are not going to do energy modeling. That's not really their role and I'd expect you to have to contract it to someone else. It's like asking a transport pilot to sign FAA certification paperwork. Design load calculations are more a part of the A/E design process than an installer task.
>they are most definitely out of question for home owners
Maybe the general home owner, but my comment was geared towards the HN crowd. I think running an energy model is within the grasp of most tech-savvy people if they have the inclination. Again, it depends on the accuracy you want. Even Excel can be used for a bin energy model approach (and is even advocated for in some commercial energy auditing texts as a suitable approach for of ASHRAE Level II audits). For example, eQUEST is free from the DoE and there are plenty of tutorials out there.
Edit: for anyone interested, this link gives an example of spreadsheet load calculations for residential applications (scroll to "ResLoad22")
In the simplest terms, they're all derived from the heat transfer equation of Q=U*A*deltaT so all load calculation models will seem similar to an extent. It ultimately comes down to how nuanced you want the model to be.
>does it take into consideration heat gain/loss by walls and insulation through the day
Yes, it has factors like heat gain coefficient that are used in conjunction with U-factors, weather, and the orientation of the structure. Most of the more widely used models include those aspects.
>they are most definitely out of question for home owners
Maybe the general home owner, but my comment was geared towards the HN crowd. I think running an energy model is within the grasp of most tech-savvy people if they have the inclination. Again, it depends on the accuracy you want. Even Excel can be used for a bin energy model approach (and is even advocated for in some commercial energy auditing texts as a suitable approach for of ASHRAE Level II audits). For example, eQUEST is free from the DoE and there are plenty of tutorials out there.
Edit: for anyone interested, this link gives an example of spreadsheet load calculations for residential applications (scroll to "ResLoad22")
https://geokiss.com/free-design-software/