HC - Couple of Questions

Hi Everyone. I've been doing a lot of HC lately and I'm having some trouble deciding between a couple of stuff. Would like to hear how you handle the couple of things below.

1. How much do you invest in your character vs what you leave in your stash? Lately I've gotten to a point where when I die, I can comfortable give twink gear to my new characters, but still skimping out on Greater jewelers orbs or equipment from act IV onwards. I would like to ask if you only consume a percentage of your stash for your current character and how much would that be or do you full commit to your current character and improve it as much?
2. When do you do 3rd and 4th ascension? Since I suck, even on SC I do the 3rd and 4th ascension at the same time at around 90. This gives me comfortable clearing on either Zarokh for sekhema or Trialmaster. And I think I'm going to do it on HC as well, but would like to know if there are better measures on knowing I could ascend.
3. When do you do the pinnacle bosses? I'm so afraid of doing pinnacle bosses that I think I'm going to wait until I can do Tier XV waystones. Before attempting any of the pinnacles. I would probably not be doing delirium and abyss bosses anytime soon.
4. How do you progress on waystones? Do you clear one tier on normal rarity then upgrade it to magic clear the magic, do the same tier on 4 mods-clear it then 6 mods? Then after clearing the 6 mod waystone you jump to the next tier of waystone on normal rarity? I'm thinking since the 6 portals doesn't mean anything, I should probably doing max tier of the waystone I could do 6 mods of, so that I can use 3 precursors. I'm having trouble deciding on this since if I just use higher Tiers of waystones on magic or normal, the level of the mobs will be closer to my level so lower level penalty, albeit less modifiers from the precursors.
5. Do you do waystones that have trash mods? Like penetration or gain or damage? Do you skip any waystones that have certain modifiers? I know that some builds really hate some modifiers, but would like a to ask the train of thought when deciding to trash the waystone compared to doing it. Like if it rolls 2 damage gains, trash. Elem penetrate-trash.
6. What's your resist breakpoints for tiers of waystones? When I reach maps, should I already have 75/75/75/75 on all the resists? I'm having trouble reaching this before I get to like lvl 70 due to the expensiveness of the items below 70 and lower rolls on gear. I also sometimes need to use charms to complete my resists.
7. EHP Breakpoints - same for 6, but For EHP do you have like breakpoints per tier of maps? something along the lines of 2k HP+ES total when I reach maps, 3k total when I reach tier X(I'm not saying this are the numbers, but is there a thought of something like this)?