Hi Ed,
The photo showing the plating with the A,B,C legends and you understanding is spot on, the plate above the portholes is a sheer plate to reinforce the deck to hull plate edge.
If you were to continue your a,b,c down to d then d would overlap c then e would be under d etc;
What drawings are you using for the Insect class gunboat? if they are from the NMM then they will have the full shell expansion drawings aswell, a good friend of mine built Scarrab many years ago using those drawings.
Ian