1. They will simply clone Rica Masumodo and anyone else - they have a lone farm in case she demands more money and they want to replace her.
2. That rumor you heard is just that - rumor. Unless the person who told you this included an official source, it's most likely fake.
3. Even off-screen, the characters won't fulfill their goals. Their goals are impossible, and they should feel bad for even trying.
Like you said, it would be impractical for the anime to just go on forever. I think it will continue on for another 4 to 5 years.
The veterans have been doing it for a very long time and I'm sure they'll think it's run its course at some point. The anime, that is. I think the games will continue to get released forever, one company purchasing the rights after the other is done.