It was vastly overdue, but macOS shipped a native solution for screen recording with audio in macOS 12 and you no longer need BlackHole for that. BH is still useful for more advanced uses, but they're mostly the sort of thing where it's not jarringly weird that they require some third-party software.
This is correct. And if you use a headset it won't pick up the general system sounds. Used it for an IEP call last week and found out afterwards the only audio it picked up was my own. Pretty frustrating.