1. Yes. Either if the backpack is over the strap or if the strap is over, really doesn't matter. You'll lose some length of the strap if it's under the backpack pad, but still will have more than enough room to get the viewfinder to your eye.
2. The RS-4 comes with a pouch on it for memory cards. I bought the RS-7 because the shoulder pad is curved to be more comfortable on the shoulder. The RS-7 also has the shoulder strap stiched to the strap so that the strap cannot move through the pad. I prefer this as I don't want the camera just moving around too much. I'm sure there are more, but these are the ones that I considered.
3. As to using a quick release plate, cannot comment to it as I have not done it. But keep in mind that most plates are built to hold pretty large amounts of weight (think large lens), so I wouldn't be too worried about going that route. I just use the screw in the bottom of my camera, and it hasn't budged. I put a small dabble of water on the rubber piece to make more of a seal when screwing it into the base of the camera, but I doubt it's necessary. When you screw down the strap, there is a good quarter inch of rubber that compresses when you tighten the strap into the base. This is causing a good seal in itself.
I'm also using this with a much heavier camera than you. I think you'll be fine 