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4.1% by volume
Your ABV will be just over 4%.
Here's a few links that should answer all your questions:
Possibly. If the wort was warmer than 20 degrees when you took your OG reading then it will likely be a little bit stronger.
Here's an experiment to try: leave some water in the fridge and let it chill down and then take a gravity reading of it. It should look like your hydrometer is wrong and plain water is reading something like 1.003. Leave it on the bench for 30 minutes or longer and it should be back down to 1.000.
I've found this calculator pretty useful on brew days as I draw off hot samples from the mash tun and kettle. Helpful to know when to stop the fly sparge as I approach 1.010 and what my pre and post boil gravities are without cooling the sample.
Classic - LOL - yep know what you mean, but the tool is the most succinct one I've found so I put up with squinting to make out the numbers.