You have an impressive knack for organization and attention for detail. Putting all that together was no mean feat. I agree with your observations on Jar Jar. I think if only he was a real character he would have been much less jarring.
The Gungan religion explanation was such a cheap way to get him to tag along. I’m having the life debt be Qui-Gon’s assertion and Boss Nass presumably goes along with it because Jar Jar is a burden. I like your ideas for actually giving him a personality.