only 1 000 001 questions? you'll get more...and then you'll realize no one can answer them?
anyway, popped in here, cuz I finally found a question I can answer.
#3. NO. you don't need bait on a lure.
fish bite something for many reasons. and 'tricking' a fish to bite a peice of wood, metal, feathers, etc is fun! beyond saving money buying lures (and you'll see that , this is DEBATEABLE), lures often allow you to fish More water quicker. with a boat you can fish many yards in just a few minutes.
bait would never work, moving at that speed.
Keep asking questions!