I'm not sure if 25% passive rewards would actually be enough, it may need to be a touch higher to compete with delegating to bots (even now) but it is probably in the ballpark.

Yeah, I would assume the same but figured for ease of visualization, a 50/50 would do for now.

I know that there are plans for light wallets those, but wondering if having an inbuilt option to replicate them might be good for onchain users. The off UI light wallets would be great for having a little account privacy though.