Sorry, i don’t see the paragraph
Realistic fiction is fiction that could happen in real life. For example, the fault in our stars is an example of realistic fiction.
A loaded word is a word that not only informs but also caries some emotion with it, such as condemning, exciting, praising.
In the statement above the loaded word is "crushing" - it makes a qualitative statement about the defeat: it was a very definite defeat.
My favorite writer is Stephen King. I suspect he gets a lot of inspiration from his enviroment. He writes a lot about his hometown of Maine and seems to get most of storylines from the silent town he resides in. Hope this helps!