This seems fine as the Prophet salla Allahu alaihi wa sallam used to perform wudhu without taking off his ring.

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You must not waste water. If you had done your wudhu properly, do not listen to the wiswas as Satan wants you to waste more water and to become OCDish so that he can destroy your life through that.

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If there was a gap, you need to repeat the whole wudhu. But if it is at the same time of wudhu and the limbs are still wet, you must wash the forgotten area and continue as if you didn’t wash the rest and wash them again.

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If it is external, this doesn’t affect your wudhu. But if it is from your anus, this breaks the wudhu.

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