I do both, gel on soaking wet hair, especially in summer- I have less frizz if I put gel on soaking wet hair.
If I use a cream I put that on blotted hair because it seems to work good and it dries faster that way. This is my favorite in the winter.
2b/3a, primarily use Jessicurl and DevaCurl products, Curls Hair Tea conditioner and various gels. I'm modified CG-ish since 5/04.