For 6, are you saying you can’t just recover the whole wallet without a bitkey? 

Because I think that’s correct. So it’s probably worth buying an extra. 

And yes, I’m fighting the $200 issue now. See my posts from a bit ago. 

 Here: https://primal.net/e/note1qg7rkldjsfgaqavk92k5gvmynr77rm05tvkxvw5pu8t3telwvjyqtz752m 

 Read this to understand recovery process. 

note18004eh0ndyu7x5ye59ku7myc8psdq6900qkwqq982nxs77s24r8q5hnzyk

And this for the broader understanding  
  https://nunchuk.io/blog/bitkey 

 Makes sense now. Thanks!