1. Yes.
2. Correct. You shouldn't be using .ped files at all in 2021 if you can help it; it manages to be bloated, inefficient to parse even for its size, and information-losing, all at the same time. Try to use .pgen+.pvar+.psam when you need to keep track of REF vs. ALT.
3. It is not clear what you're asking here. But I will say two things which might be related:
(a) --ref-from-fa is only reliable for SNPs. It may not be able to determine which allele is REF vs. ALT when an insertion or deletion is involved.
(b) --ref-from-fa only tries to fix the REF allele column. It will not fill in missing ALT alleles. If you need those, you'll need to track them down from another data source, such as dbSNP.