It is Fard and part of wudhu. However, if the danger is eminent and real, one is exempted from whatever is truly harmful and you may skip this or minimize and offer tayammum afterwards for the missed part.

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If you performed your Tawaf of Hajj which is a pillar on the tenth of the month, you are exempted from the farewell Tawaf due to your menses.

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No, it doesn’t but it is best to redo the wudhu just to be safe.

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The wudhu is broken if touching directly your private parts with desire. Over the clothes is permissible and it doesn’t affect the wudhu.

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If you washed your private part, in general water reaches all parts.If no urine reached outside, then your prayer is valid. If you open the door for “I think”, Satan will destroy your life with OCD

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