Please correct me if I'm wrong, this is my understanding
1 It's a lot better than nothing! Meshtastic firmware sets every node to the LongFast, pubpic encryption channel by default. If it gets fuly factory reset that should still be default. If you want an additional channel with different settings the QR scan feature lets everyone sync settings easily.
You might even be able to manually plug in the encryption key but I haven't tried that to see.
2 You can DM nodes in range over the default LongFast channel. You can also set up a separate channel for a group. For example I have one with all my nodes that serves as a family/friends group and also allows for range testing without spamming everyone in range.
3 Voice probably won't be a thing, is the bandwidth is very small and it would be a real struggle to get it to work in a useful way. Still could happen though! Regular radios still work best for voice