I cannot understand why you are trying to rationalize your neglect of performing the obligatory ghusl. After all, all it takes is a few minutes. It is not much different from taking the time to use the toilet, brush the teeth, and doing regular daily chores before venturing out to work.
If you have been doing this and rationalizing it, then you are simply wrong. You can never justify it. Therefore, you ought to repent and redo all those prayers you have missed.
If you did look at it as a priority, you would never have done this as a habit.
So you must ask yourself: how much of a priority it is for you to perform ghusl and perform your obligatory prayer?
As a Muslim, it should be a top priority for you.
As for the other questions, they are not very relevant, for your neglect of ghusl, though an abomination, does not have any effect on the matters you have mentioned.  While saying I do not deny the fact that you would be deprived of Allah’s blessings when you neglect His commandments.