Regarding Qum, that's a tough call. In my "main" playthrough I did not and have mixed feelings about it. Between that and hiring mercenaries early to save Carina's men, I found myself making some hard calls later in the game with my investments. At the end of Chapter 3, Pron becomes a pretty big deal. I had about 2.58 million, which is probably around 300k less than I could have had, if I had whored Qum out. Basically, I made decisions based on what I thought was the morally optimal way to play. Whether that means I lose out on important things in Chapter 4, we'll have to see.