FYI, the resizing method you’re describing here — adding a null, pickwhipping to it, and scaling the null down — is exactly how the “Scale Composition.jsx” script that ships with After Effects works.
I agree that working at 4K and scaling down at render would probably be the best course of action, especially versus backwards-engineering a complicated template system.
If your computer is struggling while you’re working, I’d suggest some performance tweaks like lowering the viewer resolution, turning off motion blur in the viewer, solo-ing just the layers you need, reducing the preview frame rate, using Draft 3D, using the region of interest, temporarily turning off effects on heavy layers, using proxies, etc.