Welcome to the forum. In a Swiss frame, the front strap of the grip is completely straight from trigger guard to heel. In the German frame, the front strap has a slight bulge at the heel where the front strap swells out a bit. All German Lugers have this swell. I personally prefer the look of the swelled front strap and do not like the straight front strap.
The loading tool has two main functions. The first is a flat head screwdriver end used to remove the grip screws. The second is as a magazine loader. You place the tool, bent end down, over the follower button on an empty magazine. The oblong cut in the circular cutout will fit over the follower button and allow you to pull the follower down with your thumb as you load the magazine. It just makes loading a little easier.
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