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Yes, as she isn’t spending anything that would affect her debt.

It is OK to wear the clothes from his home but it is not Sunnah to make the intention for the Umrah from his home he should do it just before reaching the Miqat. If he had already did it from his home, there is no need to repeat it.

If he made the Talbiyah and the niyyah from his home, he can’t change his mind and must stay in the state of Ihram until his illness is cured.

There isn’t anything in it except the pillars

This is part of horning it .

Only the person who is to offer sacrifice is ordered not to cut his nails or his hair. His wife and children has nothing to do in that.

It is permissible to borrow for Hajj when you have the means for repaying it back but it is not recommended as it is not mandatory until you have the money ready in your possession.

No, you shouldn’t as the Prophet salla Allahu alaihi wa sallam didn’t do that

The only Du’ah that is Sunnah is to say between the Rukn Al Yamani and the black stone: Rabbana aatina fiddunia hasanatan