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I don’t quite understand your sentence: “ . . .once the IRA is drained and you have not applied the balance of your IRD deduction due to QCDs, you will lose the remaining IRD deduction.”
Based on the following data, is the amount of “the remaining IRD deduction” which you say I will lose $9,292?
Present balance of IRD (estate tax) deduction: $41,806
2020 IRD deduction for 2020 distribution with no QCD: $23,228
Portion of $23,228 attributable to proposed 2020 QCD which is 40% of total distribution: $9,292.