Kinda, it's personal preference really. Hard to say one is better than the other.
Incorrect. There is SO MUCH MORE TO HIGH OESTROGEN THAN JUST GYNO. Run your AI from the beginning. Some experienced users know they can get away without an AI but it's Russian Roulette to do that for your first cycles. And it's MUCH easier to just control E in the first place than to try and lower it once it's gotten too high.
A SERM is not just a SERM. They have slightly different effects. I personally use a combo of clomid and nova, but then I do a longer PCT than most. Never tried torem so I can't comment, however I will point out that clomid/nolva combo has been used by zillions of users for millennia. It works.
Again, you're focussing too much on gyno here and missing the big picture. hCG turns your nuts back on (very much a layman's explanation!) and does a great job of helping with recovery. Some people cycle without it and do fine. It's an optional extra, but it's so cheap I don't understand why it wouldn't be included. The faster you recover, the more gains you'll keep. Why risk it? I have ran it on cycle and done other cycles where I just blasted it for a couple of weeks before PCT. Both worked fine.