I don’t know about all of your questions but yes you can use more than 3,000 per year.
You get to first offset the loss against any gains you have each year so that can use more of it up. Then after applying the loss to the current gains you can take a max loss of 3,000 (1,500 MFS)per year. Turbo Tax does all the calculations for you. Just enter the full prior year carryover amount.
