To answer your first question, It's all about speed. Reading and writing to a file is REALLY slow, compared to RAM. Consequentially, writing data from RAM to a pagefile is a slow process (remember, everything is relative here...).
Windows will continuously move stale or underutilized data to the pagefile so that it doesn't run into a problem if an application suddenly requests 95% of your RAM. If Windows waited until your RAM was full, it would take significantly longer to load that high-RAM application, since it has to write an absolute ton of data to your (very slow) pagefile. Keeping true RAM utilization low by writing to the pagefile whenever possible is the most efficient way for your computer to operate.
To your second question: technically, yes. RAM is typically compatible with clock speeds that are lower than the RAM is rated for. But it won't make a difference, except that you'll be paying more. Unless you can overclock your laptop (unlikely), the RAM will still operate at the original speed. Buying faster RAM doesn't mean that your RAM will operate faster; that's controlled by the motherboard's clock speeds.
[Note: there's a chance that the faster RAM will decrease performance, since it will not be operating at the frequency it was designed and binned for.]
Source: Computer Engineering Degree
Welcome to SuperUser! Ask one question at a time, please - many-in-one questions don't work well in Q&A model with voting. I have removed the other one. It was asked many times already, you can find it on this site using the search bar at the top or using your favorite search engine. – gronostaj – 2017-09-19T16:46:21.150