- Do you have to have gem choices?
abseloutly NOT. its only a thing you should considre if you reach the writer payment option. which is very unlikely. you do not get anything out of the gem choice before that
1.1) Can you set how many gems to consume?
no it depends on how many readers you have
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Is there a way to save a bunch of characters and use them for different stories (i.e. creating a connected universe)? no
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The cover art, who makes the ones that are used for loading screens and the introductory stories?
only featured stories can have a loading screen cover. others has just has the default and cant change. for covers a lot of artist do it. some do it for free. the better ones take commision.
3.1) Is there a resource of cover arts in that style? no.