1. Yes
2. No
3. Yes
The issue with the rules is that they were made to be short, sweet, easy to remember. This is great, and necessary - the unavoidable (?) side effect is that they end up footnoted. Rule 1 is notorious for this, because, obviously, sometimes guns are not loaded - this allows us to dry fire, clean, etc. Rule 2 is tricky as well - There are very few things that I'm willing to destroy and the muzzle covers a lot of things as it rides in my holster all day - so it's generally understood that we don't allow the muzzle to cover things while the gun is in our hands, etc.