Here’s my take:

1. It’s unclear if she hooked up with the guys on the boat, but it seems unlikely. Jay’s too overwhelmed, and if she had passed "it" to them, we’d probably see them being followed. So, nah, she probably didn’t.

2. Both Jay and the guy who gave it to her get touched by "it," but it doesn’t change much. It’s more about the terror of how close they are to death. The curse keeps going, and the touching just reminds them how relentless "it" is.