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If you are in doubt, try it out.
Make two manual saves, one with v3 selected and one with v4 selected before going offline.
After your offline, load the v4 and see if it killed the beast on the right, if not just load your v3 and you won't even need to lose any offline progress.
2/ For your custom loadouts, your best bet is this site:
https://gmiclotte.github.io/gear-optimizer/
I wouldn't advise going full itopod progress for your offline (or at other times really), always keep in mind that your NGU levels are very important for your overall progress but itopod simply gets you more and more PP as you progress through the game.