Re #1, I would strongly discourage this approach. Much as we all love CCGs, it's very rare that i can sit down and play 3 consecutive games without interruption. It would greatly reduce my participation in the ladder if matches were required to be best 2 out of three deals.
Re #2 and #5, If a defender loses, he should move downward. Doesn't seem logical to stay put. Most people intuitive want to see positive movement if you win, and negative movement if you lose.
#2 and 5 are the really tricky ones, IMO. The way it is now, with a penalty of only -1 rung on the ladder if you lose, it makes you MUCH more willing to take on all challenges. If you start penalizing a losing defender too much, they're going to reject a lot more challenges. On the balance, I say leave it how it is now.
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