Doing #1 to disassociate the Service Profile from the Service Profile Template is the fewest number of steps.
Doing #2 to recreate the Service Profile Template is probably overkill from the sounds of it. Would be nice if UCSM let you clone/copy Service Profile Templates (even doing so via the CLI fails in my experience.)
To answer #3, a new Service Profile Template can (but doesn't have to) reuse the same Pools/etc depending on sub-org structure (which is rarely used for basic installations).
#4 is really two different things.
The disassociating the Service Profile is removing that SP from the physical hardware to either do maintenance on the physical hardware or move the Service Profile to different hardware.
The unbinding of the Service Profile is to disconnect the Service Profile from the Service Profile Template. Basically the Service Profile Template allows changing something (like a BIOS setting or adding a vNIC or etc) in ONE place (the Service Profile Template) and that change be propagated to all N-number of children (Service Profiles).
For bonus question #1 yes, you will need to configure Disjoint Layer 2. See:
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