If your only option is SWIFT, you're stuck with its fees and options, no point discussing correspondence banks' fees, something that is there, like it or not, and not open to negotiation.
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Depends on how much you want the beneficiary to receive. Selecting the other options doesn't alter the charge, it just shifts it to the beneficiary, or shares it between the remitter and the beneficiary. If the transfer is to a third party, that party will receive less if you share the charge or put it all on them.
No, it is not the responsibility of the police "to remove all drivers breaking the law from the highways", very few offences have the penalty of "removing the driver" from the road.
Can't see how that would ever be an advantage but there is always the guaranteed three-holer Filipina girl advantage (if the hideous accent can be tolerated).
Doncha ? is that Russian Lou ... not Scouse ?
No idea, I'm neither Russian, nor Scouse but it is an informal English language term, something you wouldn't understand.