1. You can split a face with the sketch so there is no need to extrude into a surface.
2. Offset the door's surface (possibly 0)
3. Delete the face on the original surface that was associated with the door.
I hope this helps.
I had considered this shortly after posting.
Indeed it works and is probably the easiest way of getting the results I wanted.
You are correct, loft is not 100% accurate. Instead, try boundary surface, or sweep with guide curves.