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You can trasnfer to a full server.
You can, it won't allow you to transfer during peak hours.
No, you can transfer while it is closed. I did that when I moved servers, I did it at like 7pmCST and got it through to a locked server in less than 10 minutes. Start the process at the Mog Station, if your worried about it taking a long time, then complete it before bed incase it does take a bit longer than it should.
From Lodestone Official
Quote:
- The following will be transferred along with your character:
All items, including gear and minions
Retainers and all items in their possession.
Moogle letters
Gil (1 million gil per character, 100 thousand gil per retainer)
* Please note that any gil exceeding the above limit will be lost.
* Depending on economic conditions, the amount of gil that may be transferred with a character may be subject to change.
- The following will not be transferred along with your character:
Friend lists
Blacklists
Linkshells
Free companies
* The World Transfer Service cannot be used for characters enlisted in a free company. Please make sure your character is not a member of a free company before using this service.
* Characters will be withdrawn from linkshells automatically.
You could also buy up stuff that's cheap on your world and sell high on new world. But you need a contact on the new world to sort out prices obviously.
I did that when I moved my legacy char over to my new server, made a couple million over what I had :)