I can answer your 1st and 3rd questions.
1. Usually (and in my opinion) when you transfer cash, you will get banned. They banned countless accounts for me previously on transferring alone. I am very sure they have a new way to combat this as well. Only way is transferring minimal amounts gradually. EG: Buy an expensive item and sell it and buy it back to your transferring account. I wouldn't recommend multi-logging either (just to play safe) If they bring back staking, you can stake it out.
2. There would be guides on the bot site (which ever bot you choose) on how to lower your RAM usage. On RS side, put all on low setting/disable everything possible. On your computer site, follow the guides as well as don't run any other support programs such as anti-virus, MSN, etc in the background.