There’s nothing to check. A visa is valid from the date of issue. If you apply for a 6 month visa 3 months ahead of time then you’ll just waste 3 months of its validity.
Depending of the consulate or embassy you use then check their normal turn around times.
For example London is about 3-5 days. LA is about 10 days. France or Germany is about 3 years. (Well ok that last one is a bit of an exaggeration but it feels like that for those that use them).
Yes. I’m a moderator of this site. That means I see posts from lots of people about current happenings now. I see what they are posting now. I see there is a huge difference to what posts were like 2 years ago to what they are 2 weeks ago.
I may not know as much as I think I know but I can read.
You have experience of opening a bank account two years ago. With a wife that works in a bank. How many others have that advantage?
Can’t really see the relevance that that would have in today’s world. But obviously you think you know best so let’s just leave it at that.