1. I agree with that idea. Makes a TON of sense. Mayhaps it's hard to program, but if there is a returning starter at PG, etc. then the new recruit should factor that in when considering things.
2. Not sure this matters as much, since in HD often teams go 10-11 deep. so even the 11th player is seeing 10+ min in many cases. I don't think any coach feels like they are 'stock-piling' talent to keep them from other schools. Now that I re-read your post, I am thinking you mean during recruiting... and in that sense I do agree - it's annoying when a coach offers starts to 20+ players and has all of them considering him - yet he obviously only has at most 5-8 spots open. That said, I think smart coaches see that and watch closely if the school is going after a player want. It's usually easy to out effort those schools in recruiting. Keep in mind, I know D2 and D3 recruiting... D1 sounds like a whole different animal.
3. Transfer rule - interesting idea. But keep in mind, I think the number of HD players that transfer due to their own decision is very, very low (I've never seen it happen personally). Whereas in RL it's quite often that a player moves on due to lack of playing time, etc. Granted, I am sure many coaches are often telling the player they have no chance, so they should transfer if they ever want to see the court in real life. Personally, I have often thought that players with out PT should be more likely to transfer than they do currently (especially with broken promises). In HD, I would guess 90%+ of the transfer are players that are cut when the coach sees a better option or corrects a bad decision. Also, my understanding is that in RL scholarships are 1 year 'contracts' technically...
4. Ineligibles: I have only gone as far as D2... but I can tell you that I don't think any coach views ineligibles like you state. If I go for one of these guys, it's because i hope he signs with my team and helps me down the road. It's a way to balance classes. it's a way to take a chance with a real high potential or good player but requires a season to wait -- meaning I can get him on the cheap - because some other coach needs help now, etc. In RL, I don't think any D1 player would ever play D3 - he'd go JUCO. I'm not sure about D2 -- but I think it would be unfair or bad if a top level D2 talent ever considered D3 school just because he's ineligible...since study hall is about the only thing these guys can do, my guess is 99% of them are eligible the next year.