Answer to question #1: If you took out a CRD on July 2020, you can repay it in tax years 2020, 2021 and 2022. Also, in case you don't already know, you have the option to spread the distribution and pay taxes over 3 years (2020, 2021 and 2022). See answer to Q6 of the following IRS link:
https://www.irs.gov/newsroom/coronavirus-related-relief-for-retirement-plans-and-iras-questions-and-...
