1.) A dry clutch means that it is an engine with a dry clutch You can convert any of the MC21 engines into a dry clutch with minimal parts swapping. Check out the specifications part of the site to check what your bike most likely will be. (if you've got adjustable front forks and remote reservoir near your oil bottle then it may be an SE/SP, the magteks confirm it's got SP components).
2.) Normal key means it's a copy, or a copy of a copy. No issue there, just like copying a car key. Yes honda ones are available, most likely salvaged offa bike that was wrecked. Not an issue unless you want to have everything Honda.
3.) Replace the radiator
4.) Price wise, I don't know the SA market well enough so hopefully one of the locals can give you more info.
5.) Read through all the technical sections, do your normal bike c hecks and hopefully you'll convince yourself whether or not it is worth buying
You attach photos by setting yourself up an account with an external site like photobucket or flickr, and then add a link to your photos in your photo site.