I can't speak to 3&4, but Ive done quite a bit of research on ACA plans in the last few years.
1. Its hard to know, but if you have no real assets to protect and no pre existing conditions, It's not crazy to do a short term plan. Read the specific policy VERY carefully, and see if there's any deal breakers. You don't mention anything about why you don't go on your wife's employer plan though? It seems like that would be the best option.
2. Yes, I'm fairly certain that the special enrollment is based purely on losing eligiblity to your wife's plan, and it won't matter if you have something else or not.