Protected Losers vs. Not Protected

J 2
A 10 9 8
9 6 2
K Q 8 6
6 4 3 5
Q J 9 K 3 2
10 5 Q J 8 7 3
A J 10 9 5 7 4 3 2
A K Q 10 9 8 7
7 6 4
A K 4 Contract: 4 spades
------ Opening lead: Q of hearts

Declarer got a puny 10.29% (on the basis of 100) while making his contract. There are a couple of ways in which an 11th trick might have been realized (looking at the hand from declarer's viewpoint). If hearts split 3-3, there would seem to be a second heart winner on which to sluff a diamond. The fly in the ointment, however, is that you can't use the fourth heart unless trump split 2-2, having no other entry to dummy aside from the J of spades. Also, there's an 11th trick if the A of clubs lies with East, as the ace is ruffed out. But that's not where the A of clubs lies.
How come declarer got such a puny score? I wondered. Did so many West players start with the A of clubs to make any other lead such a low score for declarer? But no, there is a path with very little risk to 11 tricks.
This declarer took the opening lead with the ace, promptly led the K of clubs -- and when uncovered, ruffed it! C'mon. What on earth is the point of leading the K of clubs if you're gonna ruff it? Pushing it through, sluffing a diamond, at least gives you some chance of making that K Q useful. And then the path to an 11th trick surfaced. Guess I was a little slow on the uptake here.
Declarer should simply discard a heart loser on the K of clubs. An unprotected loser he's always going to lose anyway. Now upon regaining the lead, he will use his lone entry to dummy to cash the Q of clubs, sluffing a diamond, which is protected by the top two diamonds. Your winners are 7 spades, one heart, one club (regardless of where the A lies) and two diamonds. That's 11. That's what you want, a club winner wherever the ace lies, to go with the other 10 winners.
I hadn't realized until after I'd closed out the entry that I'd jotted down the matchpoint scores for picking up more tricks. But here they are: plus 5, 55.88%, plus 6 (no doubt reflecting a lead of the A of clubs), 95.5%, and plus 7, 100%, reflecting a lead of the A of clubs and careless discarding by one defensive pair. In any event, the declarer who doesn't turn those club honors into one winner is kicking away 45 matchpoints, and that's a pretty hefty number.