@nbedford About point 2) - looks like Bluetooth Phone Book Access Profile (PBAP) is not implemented on Jolla. I can't test at the moment, but may be someone can confirm?
I have same issue - no phone contacts. Car is BMW X3 E83 from 2007. Nokia N9 had same issue, however, Nokia N8 just worked fine. This is something that I expected to be solved in Jolla already...