The answer to #2 is: WHATTT?? Are you saying that you would make a scroll of a spell that you DON'T even know?? That ain't gonna happen, dude! And, as far as paying for a scroll of a spell that's higher level than you currently cast, casting it even from a scroll is not a guaranteed success, and, anyway, it needs to be done in the game.
I think perhaps "your eyes are already bigger than your stomach," so to speak. This game is NOT all about the magic items and having the most tricked out spellbook. Everyone will be best served by allowing PLENTY of room for the characters to grow and develop more power on down the road. If you make a character that already has everything that you want, then what's the point of playing the game?