Take a look at this thread when you get a chance,
https://community.inovelli.com/t/looking-for-instructions-for-red-series-on-off-always-on-power-to-smart-bulbs/677
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Correct! You cannot use a dumb switch - it will cut power to the bulbs. Relay would not help in this case.
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In theory this should work
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Yes you can use the dimmer on the new smart app without the device handler - it will be listed as a [generic Z-wave dimmer]. You would have to setup the parameters on the switch itself to disable relay and that you are using it in a 3-way.
FYI - device handlers take less than 5 minutes to create & publish. In the new SmartThings app, you can now edit advance functions