You should use PCC load balancing... here is a great writeup that should help:i need 4 wan folover
Radio mobile has buildings under their land cover data. It is displayed on the map in light blue by default. I'm not saying that the simulations are perfect but I have found them very helpful.Remember: Radio mobile do not observe buildings.
Sorry, the hotspot feature is my biggest MikroTik weakness and cannot tell from what you posted what the solution would be.can you please help me with this ?