Many of the questions being posed in this case can be answered with a reference electrode test. Otherwise, you are flying blind where anode consumption rates are concerned. I'm often asked about anode consumption rates, it's really impossible to give an informed answer because there are so many variables as Charlie J noted.
Reference electrodes have been discussed in this forum on several occasions, however, here's a short article on the subject
https://stevedmarineconsulting.com/wp-content/uploads/2019/10/Anodes.pdf
Also, magnesium anodes should never be used, on the hull or in heat exchangers, except in fresh water.
I'm a fan of aluminum anodes, however, I have had issues with the pencils in heat exchangers getting stuck, as the aluminum pencils swell slightly as they erode. You can safely use zinc there if you encounter this problem, and aluminum elsewhere.
Galvanic isolators will protect a vessel from galvanic corrosion that is caused by other nearby vessels, up to a point, the galvanic isolator has a limit. Isolation transformer protection has no limit, its protection from corrosion caused by other vessels is absolute. Every vessel that is plugged into shore power should be equipped with at least a galvanic isolator.
Neither of the above devices will prevent stray current corrosion which almost always originates on the affected vessel, and not from nearby vessels.