Thanks. Just a point of clarification on (1). Is that just for taking IN money as opposed to just paying out for things like purchasing computers, software, freelance to design your website, etc?
Yes, but you probably also want to incorporate if you're paying out money. The business relationship a third-party supplier has is with the entity that pays them. If you buy something from a supplier on your personal credit card, they're unhappy with the transaction, and they sue, they sue you and not the corporation.
You're probably fine if you're buying commodity products like, say, web-hosting. You might get into trouble if you do it with negotiated purchases like contractors. YMMV; again, "not pissing people off" is a pretty good legal defense, and I certainly know folks that have hired artists or app developers before incorporation without anything bad happening.