All good questions to ask but unfortunately the answers might be hard to find.
for question #1, i was watching when she came back inside with mud on herself and she promptly went into the shower room to clean up when the cams started having streaming issues. she went out with what she had on and a pair of wireless headphones. when she came back in i didn't notice the headphones which told me she must have slipped and went down to the ground possibly losing her headphones or at least they came off her head. this all happened after torrential rain from the previous night. by the looks of her with exception to the mud she had on her, she looked fine to me.
question #2, it has now been 31 hours plus that the apartment has been offline. to my knowledge rlc has never given extra days for apartments being off line more than 24 hours which i'm sure is for the reason you mentioned. you are correct that if you choose the 1 sub pack option, unless you use your one swap option there will be nothing to watch on xlife.com. only time will tell if they give extra time for time lost. my bet is they won't and the swap option is your only choice watching another apartment until your month's subscription runs out. the problem i have with that in this situation is that i only wanted to watch Lya and none of the other participants. we will have to wait and see what they do.
question #3, she had been gone for a couple of days visiting some friends before coming back and apparently falling/slipping in the mud when all of a sudden her apartment went offline. could she be having company? yes, i suppose she could be having company that doesn't want to be seen on camera but i doubt that's the reason the apartment is offline. it could be that the heavy rainfall from the night before caused some kind of issues with connectivity to the internet, your guess is as good as mine on that. only time will tell what xlife plans to do with this disruption of service so i guess we are stuck with waiting for that answer.