Figure 1 shows a cone and we want a formula for the surface area, excluding the base. If the base area were desired, we know that to be $\pi R^{2}$ and it could just be added. The skinny triangle in Fig 1 is drawn with such a short base that a good approximation of its height is the length of one side, $L$. Therefore, its area is
$$A_{triangle}\approx \frac{1}{2}\cdot base\cdot L$$
If there were many of these triangles, each with base, $b_{1},b_{2},...,b_{n}$, we could add them all up to get an approximation of the surface area.
$$Area \approx \frac{b_{1}L}{2}+\frac{b_{2}L}{2}+...+\frac{b_{n}L}{2}$$
Factoring out $L/2$,
$$A \approx \frac{1}{2}L\left[b_{1}+b_{2}+...+b_{n}\right]$$
Of course if we could draw infinitely many triangles, their summed base length would be the circumference of the circle, and the approximation would become exact.
$$Area=\frac{1}{2}\cdot L\cdot2\pi R=\pi RL\tag{1} \label{1}$$
Frustum of a Cone
A frustum is a lateral segment of a cone formed when part of the cone is sliced away by a plane that is parallel to the base. See figure 2. Now instead of having a single radius, we have two radii, $R$ and $r$. In the frustum graphic, $L_1$ is the slanted distance between radii $r$ and $R$. By similar triangles, we see that
$$\frac{L_{1}+L_{2}}{R}=\frac{L_{1}}{R-r} \tag{2} \label{2}$$
Now some algebra will produce an expression for $L_2$ in terms of $L_1$ and the known radii.
$$L_{1}+L_{2}=\frac{RL_{1}}{R-r} \tag{3} \label{3}$$
$$L_{2}=\frac{RL_{1}}{R-r}-L_{1} \tag{4} \label{4}$$
$$L_{2}=\frac{RL_{1}-(R-r)L_{1}}{R-r}=\frac{rL_{1}}{R-r} \tag{5} \label{5}$$
Now from equation 1 we can compute the Areas of a big and little cone and by difference get the frustum area. Equation for the surface area of any circular base cone.
$$\mathbf{\text{Area}=\frac{1}{2}L\cdot2\pi R=\pi R L} \tag{1}$$
$$\pi R(L_1 + L_2) \Leftarrow \text{Complete Cone Surface of Fig 2}$$
$$\pi r L_2 \Leftarrow \text{Invisible Top Cone Surface}$$
$$\text{Frustum Surface Area}=\pi R(L_1+L_2)-\pi r L_2$$
I suppose we could stop here, but $L_2$, being invisible and all, could be tricky to measure. What's more, we have an expression, Eq.$\eqref{5}$ that would permit a substitution to get the area in terms of $L_1,R,\text{ and }r$. So let's do that algebra. Start with the substitution.
$$\pi R\left(L_1+\frac{rL_1}{R-r}\right)-\pi r\left(\frac{rL_1}{R-r}\right)$$
Now expand the parenthesis and get over a common denominator.
$$ \frac{\pi R L_1(R-r)}{R-r} + \pi R \left(\frac{rL_1}{R-r}\right) -\pi r\left(\frac{rL_1}{R-r}\right) $$
So expand it again.
$$ \frac{\pi R^2 L_1}{R-r} -\frac{\pi R r L_1}{R-r} + \frac{\pi R r L_1}{R-r} -\frac{\pi r^2 L_1}{R-r} $$
A couple of terms cancel.
$$ \frac{\pi R^2 L_1}{R-r} - \frac{\pi r^2 L_1}{R-r} $$
Factor it.
$$A=\frac{\pi L_{1}(R^{2}-r^{2})}{R-r}=\frac{\pi L_{1}(R+r)(R-r)}{R-r}$$
and simplify.
$$\text{Frustum Surface Area}=\pi L_{1}(R+r)$$