I think it is not possible to avoid it in all cases, but the reputation and business practices of the controlling company are your best indicator. Any changes to a company's culture may give signs if a piece of software may start to employ anti-consumer tactics.
Naturally, being closed source and in a dominant market position (i.e. a monopoly or near-monopoly) would make it easy for a company to start pulling these kinds of tactics. Sometimes even formerly reputable companies with open source software can try to do things like this after buyouts, changes in management, pressure from capital investors to increase profits, etc.
Generally, open source programs will be harder to monetize than closed source programs, as someone can fork the code and take out the disliked features. See Ungoogled chromium vs Google Chrome, VSCodium vs VSCode, Rocky Linux vs RHEL, etc.
1). It matters a little bit, but not a ton. A big difference will come down to what package manager comes with a distro, and whether it is a "rolling" distro that gets updates as soon as they come out, or one which withholds updates until after they have some time for bug testing, etc. Given that gaming is one of your primary use cases, I would recommend a rolling distro. If your distro does not come prepackaged with something you can usually install it. Minimalist distros like Arch come with almost nothing pre-installed, not even a desktop environment, so you can be very granular about what gets installed and keep you system lean.
2). Most distros will not have as much in the way of corporate control/privacy concerns. A few like Ubuntu or Fedora are more closely linked with a single company, but most are more community driven and this is not a concern.
3). The advice I always give to people first trying Linux is to go into it with the mindset that you are learning a new skill, as many things are simply done differently to Windows. Most things work fine, but every once in a while, especially when setting something up for the first time, it may require additional configuration steps. Very popular distros like Mint will usually have the most community resources, and you can often find posts or guides of people who have already solved some issue you run into. I would also throw one of the Arch-based distros onto your list: Endeavour OS, which is essentially a pre-configured Arch installation. The Arch wiki is one of the most highly regarded resources in the entire linux community, and even if you are not using an Arch distro, many of the guides on it can be helpful.
4). Generally speaking, my multi-monitor usage with KDE has been seamless. No issues that I can think of. HDR support has only very recently been added, so I am not sure how well it works, but it is improving rapidly.
5). I think Plasma would be a good fit for what you are trying to do. Honestly, it is very customizable, but perfectly usable right out of the box even if you do not want to do anything to it. The layout is very familiar for a Windows user.