Agreed, but a fan created tradition should not be able to do things no other tradition can. Summoning spirits of specific people is a considerable advantage IMHO.
Not really. It is more of a wash. Yes, you can gain info from Bob, but you lose access to a range of info as well. Other spirits might have knowledge about metaplanar events, threat style spirits etc. that the dead spirit of metahumans you can find won't have access to. And there is nothing that says a dead spirit of bob the janitor knows everything bob knew in life, or will reveal it in useful ways. Most summon the dead spirit type things in other games the spirit gives cryptic answers, and quite frankly it is not in the list of servies you can compel.
If summonable spirits have true names, why would you go on an astral quest to acquire them? Just summon the spirit and order it to tell you.
There are things you can't order a spirit to give and true names is one of them. You can compel them to perform specific physical tasks, use there powers, aid in certain things like learning a spell, but giving up information they may or may not want to isn't on the list. As far as I can tell that would fall into the category of role playing interaction with your spirit. But besides that, a true name of a non-free spirit gains you no particular advantage. True names allow you to bind free spirits. Being capable of summoning up the same non-free spirit is not really that useful.