signal - gnd - vcc - signal?
Yes that's the most common choice.
Yes it's common, but not necessarily the best layer stackup. Apparently it's better to use:
(Signal + Power), GND, GND, (Signal + Power). Reason is that prepreg is much thinner (approx 0.1mm) then the core (approx. 1.3mm) on a 4-layer PCB, and it's close proximity results in better shielding.
And then combine it with stitching the GND planes together close to any area where a via changes the reference signal from the top to the bottom layer (or the other way around). This is to keep the impedance for the return current as low as possible. For the return current, any frequency content above a few kHz the lowest impedance is determined by loop inductance, and not by DC resistance. If you look around on youtube you can find a bunch of good video's with Field solvers (FEM) analysis of how the GND currents flow. Robert Feranec has done some video's about this.
And for the rest, it's a bit of a tradeoff. 2 layer PCB's are cheaper, especially for prototypes. Once you get into batches of around 100 PCB's the difference is quite small. Quite often a good 2 layer PCB can be designed, but it must be bigger (which also makes it more expensive) and it costs more time to develop. For hobbyists EMC concerns is not such a big issue, but if you want to sell your products, then I'd also be more inclined towards 4 layer PCB. Electronics also gets faster. The clock rate does not matter much, but the risetime of signals is important. For the older generations 8-bit uC boards, then 2-layer PCB's is usually quite doable. 32 bit uC's often have slew rate control for their pins. For a mixed design, for example an uC with an integrated12+ bit ADC, I'd also be inclined to use a 4 layer stackup.
You can put the GND planes on the outside, and put the tracks on the inner layers, but this will reduce performance, because you need much more holes in your GND planes. All the pads for IC's and passives create holes in the GND plane.
Putting sensitive signals on an inner layer can also be a good alternative to guard rings.