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The Cavinder twins are probably examples of players who will make tons of NIL money without ever making it in the W.1). Really depends on the NIL deal.
2). Possible but not likely for some players. Just depends on the player and the structure of their NIL deal. Some players who will never make it to the WNBA could earn more in college and there will be players who will make more in the WNBA vs college.
As someone said above, the recent wave of kids hitting the NIL jackpot out of high school, like Paige and Azzi and the Cavinders, may not continue for long. The conditions that allowed them to gather huge social media followings on the basis of basketball may be subsiding even now. There will still be NIL deals to be had, and I suspect the wealth will be spread around a bit more equitably. But the days of the freshman millionaires may be coming to an end.