Yep, you're right (duh!)
so:
Branch 0.122 x (0.063 / 0.1)(sq) or .122 x .3969 or .048
Flow 0.046 x (0.063 / 0.1)(sq) or .046 x .3969 or .018
or more like a half-meter head loss for the branch - looks a lot more reasonable (might still be wrong 'cause I screwed up somewhere else

)
Thanks!
PS: If you look at the 'A' factor for other things that might be in the loop instead of the 'T' fitting
elbow 0.112
bend 90degree (long radius) 0.061
Thinking about that 'elbow' - I'm pretty sure it's not a milled elbow. but just a short radius turn. The 'T's listed probably aren't milled either. The 'T' Stiffler's thinking about using probably
is milled, though, which will make it (AFAIK) worse - and which means I'm wasting my time with that plumbers handbook...
And a caveat - I'm pretty sure none of these plumber's fittings are milled fittings - and I have read that milled fittings are
lots worse for flow than their formed