#3: you will not have to donate anything if you don't want to. As I've told you before, if you have the town set to [open] you'll have no problem getting residents and even if you have a closed town, it's not too difficult. Either way, if you don't meet that requirement you won't lose your town or anything like that.
#4: no there are no free chunks. That's why it's recommended that you get about 1m noobs so that extra can go for the claiming of chunks. The price, also does not go up. It stays the same.