I can confirm number 5. Both the APU and then the "gear down" is crazy loud and have to reduce headphone sounds.
In addition I find the beacon light in msfs 2020 way too bright. The whole plane flashes red. I don't even want to go to the ouside view unfortunately 😞
I can confirm, had the same issue. For me the problem was probably the second factor needed when paying with credit card. It did not appear via the inimanager