You can use your wife's bank account as proof of funds but you need to show some confirmation that you have full access to it.
As for your question, you'd better do it to show that you have no debts.
You should retake it.
The profile won't expire until / if you get back to the pool.
Your CRS will change if the test results are different from what you have now.
Apply for restoration/SOWP and for removal order deferral, attach a restoration/SOWP application. spouse's work permit, mention your H&C circumstances, like a newborn child.