1&2 - man, that sucks, sorry to hear about that. Hope things get better.
3 - I tore a ligament in my pinky in high school. I just put my finger back into normal shape and went on with life. It still hurts some days. IMO, the surgery's not worth it. Just rehab it until it's functional enough on its own. Unless you're a big-time musician, you won't know the difference. That's the advice the Dr gave me 6 months after tearing it when I re-broke it (broke that finger like 5 times in 3 years) and found out about the ligament.
4 - Ugh, why does everyone else hit their longshots and beat me every time? It's frustrating the heck out of me today too.