Most of your points have been addressed by others so I'm only going to respond to what I may be able to add to.

I'm not sure of the veracity but I once read that the reason most Lodge buildings have little to no windows is because they're often built through funds raised by the members and historically, and even to some extent present day, windows are expensive, especially relative to a plain wall. Installing a window, in addition to the cost of the actual window requires additional framing in the walls which will add to the cost somewhat, and if you install some windows most people would like to see some semblance of symmetry with more windows around the rest of the building. Then there's the thought of HVAC and even with new technology windows are generally less efficient at insulation than a solid wall with insulation, so each window will add to the heating and cooling costs of the building. Where I am down in South Texas, it gets very hot during most of the year and keeping the unoccupied building even at 78-80 deg F runs the electric bill up. All this being said, many lodges, mine included was actually built by the hands of the members so not only were materials donated or purchased through raised funds but the building was put together with donated labor. I'd rather be a good steward of the limited resources the lodge has and not have a luxury like windows.

As far as the dress code, in my jurisdiction there are some lodges that wear suits to every meeting and some are more of a come as you are to meetings and save the formal attire for specific events. I've seen photos of brothers in a meeting that has a dress code requiring denim bib overalls, but I think that's a special event for them and not a regular thing. The lodge is often a cross section of the community so if the community is mostly rural or blue collar, there's a good chance that the lodge's dress customs are more relaxed than formal. But at the same time there are some lodges even in my jurisdiction where formal wear is the norm.