ANSWER: Saying it three times is from the sunnah.  However, saying it once also suffices (as this is the minimum mandatory dhikr) and sky is the limit beyond three.

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ANSWER: If the threat and fear are genuine and there is a real possibility of you being harmed, it is permissible to pray home as this is between you and Allah and He alone can know whether this is true or not.

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ANSWER: Your zakat is a fixed amount.  Whatever is needed to give it to the people who are needy and deserving, this extra amount must not be counted from the zakat amount and you must pay that in addition to your zakat.

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