Yes, you can buy Hans for $20, but it seems to me as if you get the offer only when you finish the second round of battles. So, I'm at the point where I can collect Hans items, but I have the option of buying him outright instead, if it looks like I'm going to run out of time. I plan to work diligently to avoid that outcome. Fortunately, I have stockpiled plenty of snowflakes, and most of the activities that drop Hans items are only two or four hours long, and there are a good number of each, especially if you also have Olaf and Sven.
And yes, I think you have to finish tapping the clouds, but I can't say 100% for sure, because I already had finished with that before I finished the last character quest.[/QUOTE