The idea behind 1-of-2 is to have some kind of backup. It doesn't help with the problem of creating a new address. How would backing up your data solve that? All your addresses stay accessible through your wallet. If you back it up and restore it, you just restore to a previous state (ie you won't have transactions that were made after the back up), so I don't really understand your point #2.
Oh, i think that you're right ('cause i didn't test that way). But anyway, the good idea is to add function to specify change from every transaction. Sometimes it can help very much (specially with bytes distribution)