Looking back, I think I was overly conservative. While the JL-1 was unveiled this year, it was actually a missile that was nearly on display in a 2019 military parade. The H-20 and its accompanying ALBM, as a 2030-ish project, certainly wouldn't compromise on the JL-1's size.
Assuming the 8,000-kilometer range specification remains unchanged (though its significance remains debatable), wouldn't it be a good idea to switch to a waverider glide vehicle? The addition of a glide phase could reduce the size of the booster, as seen in the DF-16 and DF-17.
Furthermore, what about a waverider glide vehicle and scramjet engine? PLA has even developed an extremely miniaturized, submarine-launched YJ-19. Would developing an air-launched scramjet version for the H-20 be that difficult?
My assumption this whole time about the idea of H-20 carrying "large payloads" has never been specifically for JL-1, but rather "JL-1 sized" weapons.
They could be anything from ALBMs, or large air launched wavegliders, or large air launched HCMs.