No raised eyebrows at all. The agent (a trainee) pointed out to me the rate I had paid when I signed the agreement, just to confirm it, and didn't seem surprised at all.

No, they don't debit the excess to your card. I just have to make sure I drive carefully!!!

No, I didn't try to use an upgrade voucher. I suppose I could have done, but as fuel economy is important, I was happy with a mid size, and even happier with a diesel.