In general, Ridge BOARD weight is transmtted down Rafters to outside walls all the way along. ridge BEAM supports the rafters and sends weight to the gable ends. If you are building a garage, you can easily run the 22’ floor joist span with engineered stuff as suggested. Then if you insist on not using trusses, you would likely end up with something like 2x10 rafters and 2x8 ceiling joists sitting on the wide walls. If it were me, I’d call a real lumberyard and have them come up and give you a design and materials list for the loft floor and roof. Might be less expensive to go all non-dimensional than you think. Ron