I think group messages would still be considered personal. It would only be messages you send to a business or in a group with a business that wouldn't be personal.
Does the WhatsApp program generate and store/mange the private keys? If so, it would be possible for the program to send private keys on request, effectively backdooring the endpoint. Such an arrangement would allow Meta to put its hand on it heart and truthfully say it is end-to-end encrypted (on the network), whilst still providing a way around it.
Yes, but users can compare fingerprints (sure, most probably don't, but it's definitely a deterrence against MITMing all conversations by default), receive warnings whenever fingerprints change etc.
There's also supposedly a key transparency service deployed (similar to Certificate Transparency), but I haven't looked into that in detail.