We have arrived as early as 10 and were allowed to drop off our luggage and then go into the first waiting area. Once security opens, they will let people start lining up for security and then into the check in area. I think Security opened around 10:30.
Yes, you will still get announced when you come on board.
There will be concierge staff at both the lunch and in the lounge. The first time we sailed out of San Diego, they had the folders in Tiana's and went over stuff with us there. The second time (earlier this year), the folders were all in the lounge and we stopped by there after lunch to pick it up. But even if they don't have the folders in Tiana's, there will still be a Concierge Host there to answer any questions.
Maybe they felt it was intruding on people eating lunch so they stopped bringing the folders to the restaurant and just let people stop by and get them whenever was convenient for them.