Staggered look the best IMO. As long as you are ok with not being able to rotate tires you will be fine. You are also gonna have a debate about 20" ride like crap vs a 18" with a 40 sidewall.......that's all opinion and usually comes from ex Cadillac owners. (jk)
One more thing. When you remove your old wheels you will notice up front that there will be a washer on one lug stud (driver and passenger side) Remove it before you install the aftermarket wheels or you will have a vibration in your steering wheel.
Yah I expect the ride might change a bit...already experienced it as a result of lowering...I use polident now ;-)
Nah, it really is not that bad.
What is the bolt you speak of? What is its purpose with stock?