higher disk loading... means a more concentrated downwash
Correct and this can be demonstrated even using a very simplified approach like the momentum theory by which the airspeed $w$ under a rotor of area $A$ generating a thrust $T$ is:
$w=2\sqrt{\frac{T}{2 \rho A}}$
Being the thrust equals the weight, a smaller rotor implies a higher speed of the air pushed under it. It also implies a higher power which has to be supplied to the rotor to give that thrust. This is why the disc area for an helicopter is normally chosen to be as big as possible.
As you've also highlighted, the disk area of the MV-22 is a compromise among contrasting requirements and the resulting induced velocity of 80kts under it can be classified as a hurricane. That implies, among other things, that the MV-22 cannot for sure land on some unprepared field; the risk of brownout/whiteout is increased; and the fuselage is better accessed from behind instead from the side where the high induced velocities can make it difficult.
To all these it should also be added that at landing, when the engines are rotated vertically, the hot exhaust impinges on the airfield requiring not only a prepared airfield but also a sturdy surface.