Yes, I agree that the doctor and some medicines cost too much.

The insects only seem to come out in the rain, or if you get a special event. The snow and fog are, I think, only for effect; they don't seem to do anything with the collectibles. It does rain at times without the need for bottled rain, though.

Are you sure the couch or bed disappeared? It hasn't just moved somewhere else or back to the Decor tray?

The current version is 1.1.1 but I think that was the same number when the first version was issued. The update was issued only a couple of days after the release, so unless you downloaded it on 17 April or a few days after, you should have the latest version, assuming you got the game from LDW and not a games portal like Bigfish.