From my experince as an attacker --
- Is it better to use a different passphrase on each key, or does using the same one not matter much?
- How much less secure is it to not use a passphrase on a key?
- Should you use a different key per user account, per server, or per use-case (i.e. personal or work)?
None of these things really matter that much. Make sure you use full disk encryption and never stand up from your machine without locking it, and make sure you keep your local machine patched. If I get code execution on your machine, I am going to use whatever keys are loaded in your ssh-agent to pivot, hijack your existing open sessions, or modify your ssh client to dump the keys I need.
- Does increasing the amount of bits in a key really have an effect on the security of the key, or does it not make much difference in a real-world use?
Key length is a protection against the future, and against state level actors. Right now, key length doesn't matter much to me because I'm more focused on just stealing your keys from you regardless of length.