You explained it very well!
Thank you so much for your time & efforts!
The description field in InDesign seems to adds a tooltip to the text field in the PDF, but the text there does not appear inside the field itself.
For (2) and (3), check out http://www.id-extras.com/products/formmagic
It is free for short forms, and will allow you to add default text, and set font and size of the text (for text fields, dropdown menus, etc.) right inside InDesign.
ok i will check it out!! thank you!!