Hi Tizlinda,
A personal oddsline should add up as close to 100% as possible. One trick advocated by guys like Dick Mitchell, Steve Fierro, and I believe Mark Cramer, is the "80/20" method. In other words, 80% of the line total are your true contenders, while the remaining 20% is the remainder of the field, your non-contenders. Fierro also has ready-made oddsline templates from his book "The Four Quarters of Horse Investing".
The remaining questions are very open-ended. Others may answer better than I can, but contender separation/wager selection is wholely individual. What works for some might not do so well for others.
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