Thanks so much for your questions! (and I’m sorry that I didn’t see this comment earlier)
Q1 & 2: The proper rules for “Embrace a Quirk” are those in the rulebook on page 5. The cheat sheet apparently wasn’t updated (was made for a previous version of the core rules).
Q3: A PC may “Leverage a Trait” when resisting for +1d, but this is not required. On a roll of 1 to 5 they will be required to “Spend a Trait” (I’ll update the book soon to say “Spend any Trait”) to resist. If they have no remaining Traits to spend, they will be “Taken Out”.
Let me know if this makes sense and is helpful. I’d love to hear what kind of scenario you run, if you get a chance!