2. When Fast traveling there is a random chance that you will get "ambushed". You will come out of fast-travel mid-way to your destination with some enemy attacking you.
I agree with the other stuff you wrote, I just snipped it out because I have a special comment on this...
That's what Daggerfall had. You can either travel cautiously or recklessly. Choosing cautious would take longer, and you would be there with full health and arrive during the day time (unless you're a vampire). If you choose the not safe option, it would be quicker, but you arrive at night and your health is the same as when you left.
I think you should only be able to fast travel on parts of the road. If you want to fast travel to a dungeon, you will end up on the road at the closest point to the dungeon.