I don't recommend that on point 2, you say on appeal you don't understand why the ECO refused. If you do this - they, as 'professionals', can countervene you by claiming that they have made full appraisal and if you need help understanding it, a lawyer or CAB advisor should talk you through it.
If you argue you DO understand how the ECO refused you, you can argue you understand why the ECO is wrong - and you are starting from a stronger argument and can build a better case with your lawyer.
