I agree with number 1, but that doesn't mean all character reputation testimony is useless as people who know her personally would have better information about the kind of person she is than those on the Internet who don't know her at all. That said, just because someone is nice to you doesn't mean they can't be guilty of bad behavior towards someone else.
Number 2, no comment. I rather wait until I read a full-fledged complaint detailing what exactly they are accusing Bell of or hear it from Lim herself. I also rather wait until Bell has the opportunity to speak and confront her accusers and allegations. Also, what does being from a big federation/small federation have to do with anything? I've seen repeated today, but I don't get what the point is. It's not like Lim is or isn't going to do something because a federation that has no control over her in any way is bigger in figure skating. Plus, it's not like South Korea is the South African Federation or anything.
Number 3, people have their reasons for waiting until they hear more from OTHER sources, especially when it comes to reports like this. We all know one story/narrative gets pushed or reported and every publication picks it up and puts their spin on it. There's a reason many are skeptical about Korean news sources until further verification.