Question 1
Which exchange rate should I check?
It depends on the transaction. The official BCB rate is the current official value published by the BCB under the flexible exchange-rate regime. The BCB reference value is a separate institutional reference based on financial-system operations. The parallel dollar is a non-official market signal estimated from P2P data.
Keep the three sources separate. Confirm whether you need the official value or a buy/sell reference, which date applies, and which source your bank, provider, exchange house, platform, or counterparty actually uses.