Yes, I would go up to the 4 pumps and then - if you still have any symptoms or are bleeding - go to your GP and request a blood test. Guidelines say that if you are at the max licensed dose (4 pumps) and still have symptoms, you should be tested to check you're absorbing. So, even if you don't have any symptoms but are just bleeding, I'd exaggerate a few or conjure some up to demand that blood test. Then you will know more about what to do. If I were you, I'd do that first with the gel. Then request the switch to patches, that way you can compare serum levels and symptoms and decide which you prefer on the max licensed dose of both.
Yes, if you bleed before 21-28 days, stop and allow that bleed to happen without interference from P.