That was shown in the fake 5.0 video and tbh I can't imagine Nintendo would do that soon. Maybe some kind of wallpaper. Maybe folders. But not more. But we will see.
lol no, I'm pretty sure they roll this out
only when you subscribed to their paid online service.
Definitely not. The browser was the reason the Wii U got homebrew and it's the reason we can do stuff on the Switch right now. By making a browser directly accessable from the home menu they would make things for hackers even easier and faster. Don't see that coming.
You're right about that stability thing though.