Answers... 1) No. Your guess is right. A repeater repeats only one frequency at a time. (Well, there are exceptions, but not that would apply to GMRS.) Ham and GMRS are different radio services and cannot interoperate. However, it is quite possible any given piece of equipment could operate on either the ham 440 band or GMRS, but never simultaneously. 2) It all depends. Fixed location, mobile, (car/truck, etc.), handheld? Terrain: line-of-sight, obstructed, vegetation, etc. Post back with more details. 3) You can listen to whatever you can receive. It is only transmissions that the FCC regulates. Well, ok, there are exceptions like for mobile phones etc. and I believe there are, in some cases, rules about repeating what you hear to others. Welcome to GMRS.