for the record, i have no personal experience with any of these kinds of piercings (being a guy and all) but, here's what ive heard from people with these kinds of things.
1) i really have no knowledge... i know my lip ring leaves a pretty big hole in my lip, and even when it's in i end up loosing liquid through it when drinking... so, i would assume a belly button hole would show.
2) I've heard it does, but i think if you take it out, it wouldn't be much of a problem. Also nipple rings some times have an adverse effect on breast feeding if you are planning on doing that.
3) for the first few weeks, its like a walking orgasm, anything that ring touches sends shock waves through your clit. after that it starts to get number and number. With my lip ring that general area is slighty numb generally and i sometimes have to play with my lip to make sure i still have it lol. Not sure on nipples though, i would assume the same thing.
As allways, you should talk to the piercer before hand (even call them up with general questions like that) and i hope i helped!
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