If you have indicators then I don't see why you have so many questions.I go by indicators.
Personally when I first started looking for a school, I didn't focus on if a school was a rip off. I simply picked the things that I wanted out of a martial art and then picked the school that met those needs. I knew I wanted to learn how to use weapons like sword, dagger, spear, staff, chain whip. So right away that greatly reduced my choices to Kung Fu. The next characteristic was that I wanted a school that did conditioning like and traditional strength training. Again my choices were reduced again. I had maybe 3 or 4 schools to choose from. I went to the one that was closest to me and watched a class, spoke with the sales person, spoke to the instructor, and asked the students questions.
When it sounded like it was something like I wanted to try, I then asked if there was a trial class that I could take, there was, and I took it. It took 1 day 1 class for me to know that it was the right system of kung fu and right school for me.
Not once did I go into martial arts by trying to find signs of a "rip off."