I would recommend talking with another bakery and asking them the questions that you mentioned above. I used to walk to this bakery when I lived right accross the street from them. The managers/owners were super nice so I feel like they would be willing to talk with you about questions or concerns you may have about starting up your own bakery. Since this bakery is in VA, I don't think they would be worried either about giving advice to "competition". Anyways, if you're interested, their website is http://www.love2loaf.com/ . The one that I went to was the Burke Commons Road location.

Hope everything goes well with your new business venture!