Which separator should I choose?
The one the program reading the file expects. Excel takes your region’s list separator, a semicolon in most of Europe and Turkey and a comma in the US and the UK. Databases and scripts usually want a comma, and a tab spares text full of commas from quoting.
Why are some numbers different from what Excel showed?
Because a cell shows its number through a format, and the file stores the number itself: a cell showing €1,234.50 holds 1234.5, and one showing 33% holds 0.33. The CSV takes what is stored, which is what a program reading it needs.
Will the dates stay dates?
They are written as 2024-05-12, which databases and scripts read, and which Excel reads back as a date in any region. Rewrite them as 12.05.2024 or 05/12/2024 with Tidy dates… before saving if the reader insists.