It would be a good idea to read the Bent Audio site which contains good information on this subject: http://www.bentaudio.com/parts/tx103loadhow.html
1) The step-up ratio of the transformer will be important in determining the load the cartridge will see. For example, I am using a step ratio of 1:10 straight into the mm phono stage (47 Kohms). In this case, the cartridge will 'see' a load of 470 ohm.
2) Yes, you still have to match load and the better transformers, like the Bent Audio Mu-Mc, will allow you to do this. Again, the Bent Audio site does explain this.
3) Yes. However, you should be careful that you get the right transformer to match the gain of your phono preamp and the cartridge you plan to use. A transformer with too high a step up ratio could overload the phono preamp.
4) You are dealing with very weak signals that are sensitive to interference and RFI. The cable between the transformer and phono stage should be as short as possible and it is likely you will have to experiment with grounding. I run a simple ground wire from the Mu-Mc to my K&K phono stage and have no audible hum.
Hope this helps.
Terry