You are right on both accounts.Loading a save game made after that, the version manager sees the 0.9.2 clean start save game as 0.8.4
(unless I missed something of course, was pretty thorough though. seems to be purely cosmetic, does not seem to cause any trouble).
1) Yes another bug, already fixed it. Had the version number hard coded to 0.0.8.4 instead of using the global variable (grml...). It will be part of the next update, it's not urgent.
2) It won't cause any trouble as long as you don't wait a long time before you save and reload the first time. If you play for several hours without reloading (and hence update the internal version number to the correct 0.0.9.2), you will lose progress with Joy, Jennifer and probably Heather as well, since they get recreated from their base classes.