Does that large-amount address raise the difficulty? I have my wallet staking but I'm lucky to find a block once week. Assuming I understand the process (which I may not), would disbursing those unclaimed coins lower the difficulty? Making it easier for the average coin holder to create POS blocks and maintain the network.
Not yet, there are many young inputs. PoS target spacing is 7 minutes, but the PoS blocks are much rarer, so the difficulty is not rise.
Increasing of PoS difficulty is a good sign and will means that we do not need to worry about the network.
You can predict the exact time when each input will find the block with the "scaninput" command. Select from the wallet menu bar: Help - Debug window - Console - type "scaninput" - press "Enter" and follow the instructions. Example:
scaninput '{"txid":"00c3ecf50748b41b63a8e9931845474c9c1d6daace72bae34e1d71080b54be59", "days":30}'
[
{
"nout" : 2,
"hash" : "000005cbefc94bfc6851d95fea7f87ee58498ffc64e9973719cc1f19b433df23",
"time" : "2017-02-25 00:02:44 UTC"
},
{
"nout" : 2,
"hash" : "00000c7e8ecc4c94ed9933601ce559071571f3dc8dea8c74136eb74bbcd1e0d3",
"time" : "2017-03-17 11:47:12 UTC"
}
]