Online capability and ABadAvatar

Hi all, new to the scene and I'm using ABadAvatar with an external drive for my game backups. I'm curious about a handful of things about using online, and I'm hoping I can ask them here as a one-stop-post for it all:

1. Is there a way to get cover-art for my games without connecting the system to online (i.e. install them onto the drive specifically?

2. Assuming I need to connect the 360 to get the cover-art, is it persistant or will I need to fetch the cover art every time?

3. Do I need a stealth server if I'm just getting the cover art?

4. Does a stealth server require xbox live in addition to the server itself?

5. Do I need an xbox live account on the console to use a stealth server?

Thank you in advance!