1) braid to fluoro for Senkos, T-rigged worms and creatures, drop shot, shakey head and ripping lipless crank baits through weeds. This is one of my most used combos and will quickly become one of yours also.
2) use cheap mono for backing for braid or fluorocarbon so you get more use out of each spool.
3) The only dumb question is the one that goes unasked.