1) Yes, it's way to soon IMHO, but many others would say go ahead and bottle it...you're certainly not going to hurt any thing by letting it wait another week.
2) It's only a little bad...there's plenty of CO2 sitting on top of the beer, so you won't have a problem unless you actually stick something in there, and even then you won't have a problem if that something is clean and sanitized.
3) That ring just above the wort is what's left of the krauzen...proof positive that your fermentation worked, and not only normal but essential.
[/I] Up Next - Hobgoblin
After That - Czech Pilsner
Primary - Humboldt Hop Rod (4/24)
Primary - NOT Wheat AG SNCA (5/5)
Conditioning - SNCA Clone (3/3),