To say which fields you want indexed, use the --
contentsfields flag.
But only the strings get indexed by default, the different fields aren't stored separately. If you want this quickly the way to do it is something like telling the caller of LuceneUitls.getTermsForField to stick the field name on the front of the term string, with some delimiter you'd never see in the text in between, e.g. "::". You'd need to do something similar at query time. It's not a good production approach for maintaining, but it will work.
For reindexing, yes, just rebuild. The argument is that SV is much faster than Lucene, so incremental Lucene update + full SV rebuild is still pretty fast.
Best wishes,
Dominic