Std rate is for ifr/imc to reduce spacial disorientation risk and to standardise for timing
Vfr downwind to base in the circuit is typically 30degree aob
Not sure what your point is op
Information on a pilot forum isn't definitive. Can you imagine a situation when any time a pilot wants to go somewhere new he posts on pilotsofamerica. Read the FAA information, look at the airport website pilot information, call them up
Is this an April Fool?
Literal answer is neither you need a highly paid job to fund airline transport pilot license training costs. Sorry to be direct if you are serious.
I would be concerned that unless a high proportion of that is disposable income eg you own your own home.. I would be concerned if I could afford to buy and.run a 150 without racking up debt from the associated running expenses.