Wow, lots of questions, huntersmommy
The first thing I would recommend is to try and not compare to anyone else. This weight loss stuff is confusing to say the least. There are a gazillion reasons why some lose faster than others, some are known, some are not. There just isn't any exact formula to it. Some eat every last point and lose a lot, some eat all their points and don't and vice versa.
Your stats look great! For me personally, yes I exercize 7 days a week. Always 30 minutes in the morning and 4-5 times a week a 30 minute walk in the evening. Also abs and some weight stuff throughout the week.
Water is also a part of my life now. I have 100 oz or more a day. I think it's important for health and weight loss and for me now, isn't hard to get in at all anymore, but it takes time to get to that point.
I've never followed any "rule" that says you can't eat after such and such a time. If I'm hungry at 8 at night I will be ravenous by morning, so I eat, if it's 8 or 10 or whatever time and I haven't noticed it slowing my weight loss.
I'm not much of a sweets person. I like the munchy crunchy stuff. But for the occasional sweet fix, I'll have a low fat ice cream treat or try one of the recipies like the faux frosty or the lemon cheesecake knock off, but now the fruit smoothies really hit the spot for me. Some frozen fruit mixed in yogurt or skim milk with some ice and a bit of splenda topped with ff cool or reddi whip really hits the spot and gets in my fruit and milk servings
Hope that answered some of the questions.