For question 3, the practical line I would draw:
Ride and monitor if it only creeps at a standstill, gear changes are clean, it does not slip under acceleration, and you can find neutral with the engine running.
Stop and fix if any of these appear: you cannot find neutral at a standstill, changes start crunching, or the clutch slips — revs rise without the bike accelerating. That last one is the opposite fault and it is the serious one, because a slipping clutch destroys itself quickly and can do it mid-overtake.
Also adjust the lever free play before anything else. It is a five-minute job with the cable adjuster, it is the most common cause, and doing it first means you learn whether the rest of the diagnosis is even needed.