Hello,
1. No, you may apply for a Developer Token before you meet the RMF. You can then use a test account to begin developing your application even before you are approved.
2-3. If you are only performing reports (however you want to render those on your end), then you can sign up as a reporting-only client, in which case you would only be responsible to implement reporting.
4. If you want to provide management functionality, then you must implement all of the create/management items in the table.
Regards,
Mike, AdWords API Team