not so hard to do, fear not. like lordmac says, leave the mainshaft in place and slip the 21-tooth sprocket on until it bumps the side of the chaincase.
then rotate the sprocket until the teeth miss all the screw holes for the trap door, and mark the tips of the teeth with a felt tipped pen.
then you tape the shaft and the main gearbox bearing up with paper and lots of protection, and dremel the notches out. there will be LOTS of aluminum dust, so cover everything up well, and clean it back out spotlessly when youre done. you have to have the mainshaft in place to center the sprocket.
^^^this is not rocket science. im somewhat casual about the notches, and i use a dremel and a triangular file to work on the notches until the sprocket fits through. once its past the hole the shaft will spin freely and everything else is the same.
anyway, you will sometimes run into a problem even getting a 20 through the trap door, as there are apparently variations in the height of the teeth these days. but generally a 20 will slip in, and a 21 will always require the cut.
once you make the notches, you can stick the trap door cover on in the usual way and run whatever sprockets you like in the future.
four and five-speed sprockets are not interchangeable. look at these suppliers:
https://www.thebonnevilleshop.com/
https://www.classicbritishspares.com/
https://steadfastcycles.com/
http://www.klempfsbritishparts.com/
on the conical rear hub, you cannot go smaller than a 47, unless somehow you can find a 46-- the drum is just too big. but up front, you can run 17, 18, 19, 20, 21, and 22 if youre a glutton for a different procedure that not even me is willing to undertake.